paulg_68
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Mortgage defaulters are to bank robbers as...
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drunk drivers are to murderers.
Neither the mortgage defaulters or the drunk drivers intended to cause harm, but someone else ended up paying the price for their stupidity anyways.
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eodoll
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Mortgage defaulters are to bank robbers as...
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Its different - a mortgage is a deal you make with a bank. You pay about 3x what you borrow for the rights to the house. You can walk away and they will get the house and every dollar youve paid thus far.
Seems like they always come out on top.
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Groucho48
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You forgot to add...
And bankers who made those stupid loans are the equivalent of the bartenders who serve a guy 25 drinks, then tell him to drive safe as he stumbles out the door.
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paulg_68
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Mortgage defaulters are to bank robbers as...
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eodoll posted:
Seems like they always come out on top.
You are clearly not up on current events.
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eodoll
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They lost money because thy bundled the mortgages into package deals and didnt properly track the money.
If theyre smart, then they will come out on top.
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paulg_68
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For every bank that was selling those packaged mortgages there was another one buying.
Overall they got killed.
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eodoll
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Some of the banks did and some didnt.
Bofa fared well.. Chase did okay too.
Some banks lost money though just like the people who took out mortgages did.. The difference being is one is a corporation that can absorb a loss and the other is an individual.
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paulg_68
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Overall the banks got killed. Not every bank, but overall.
Walk me through your thinking on how corporations can absorb losses but individuals can't. If a corporation loses $100 million dollars and they only had $80 million to start with, how can they absorb that? I'm not sure how that's different than when an individual loses $100 thousand and only had $80 thousand to start with.
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eodoll
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Its easier to go bankrupt or to reorg when youre a corporation. But who cares anyway, what does that have to do with your original post?
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IMHO
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Mortgage defaulters are to bank robbers as...
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paulg_68 posted:
Mortgage defaulters are to bank robbers as drunk drivers are to murderers.
In Denver, CO the Bar that severed the drunk too much to drink can be sued and arrested if said drunk gets in a wreck.
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Grymlo
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Because loaning someone 200k to buy a house should gain the bank nothing  If you dont like what you are getting in your mortgage then dont get one or find someone else to underwrite.
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Brother_Tempus
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Mortgage defaulters are to bank robbers as...
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paulg_68 posted:
drunk drivers are to murderers.
Neither the mortgage defaulters or the drunk drivers intended to cause harm, but someone else ended up paying the price for their stupidity anyways.
\
You are missing one point that invalidates you analogy. Not every drunk driver kills someone when they get behind a whell
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Kjarhall
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Mortgage defaulters are to bank robbers as...
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IMHO posted:
paulg_68 posted:
Mortgage defaulters are to bank robbers as drunk drivers are to murderers.
In Denver, CO the Bar that severed the drunk too much to drink can be sued and arrested if said drunk gets in a wreck.
 
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Bonzoboy1
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You can't blame the people who are defaulting for being stupid, that is something you just can't change.
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Clackdor
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Simple business deal. Two parties make an agreement. There are consequences for each for breaking the deal. Assigning morality is misguided.
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Sin_of_Onin
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paul really is just horrible at making analogies.
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SoBaKi
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Mortgage defaulters are to bank robbers as...
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Brother_Tempus posted:
paulg_68 posted:
drunk drivers are to murderers.
Neither the mortgage defaulters or the drunk drivers intended to cause harm, but someone else ended up paying the price for their stupidity anyways.
\
You are missing one point that invalidates you analogy. Not every drunk driver kills someone when they get behind a whell
Just because their isn't a PERSON as a victim, doesn't mean a crime hasn't been committed, you effing retard.
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theredkay1
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Mortgage defaulters are to bank robbers as...
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Clackdor posted:
Simple business deal. Two parties make an agreement. There are consequences for each for breaking the deal. Assigning morality is misguided.
This is true.
One of the parties is supposed to have a wealth of market knowledge giving them expertise in accurately valuing the homes being purchased. The bank is the ultimate owner of the property as long as there is a mortgage on it, and borrowers pay for the ability to walk away from the mortgage in the form of a higher interest rate. Ultimately the lender is always responsible for a loan unless there is outright fraud.
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paulg_68
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So bank appraisers making $50k/year were supposed to know that properties were overvalued when the House and Senate didn't?
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Eager_Igraine
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IMHO posted:
paulg_68 posted:
Mortgage defaulters are to bank robbers as drunk drivers are to murderers.
In Denver, CO the Bar that severed the drunk too much to drink can be sued and arrested if said drunk gets in a wreck.
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Brother_Tempus
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SoBaKi posted:
Just because their isn't a PERSON as a victim, doesn't mean a crime hasn't been committed, you effing retard.
No victim, no crime, a state which chooses to pursue a victimless act as a crime wants to either loot the individual of their wealth or deprive the individual of their liberty or life.
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Kjarhall
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Mortgage defaulters are to bank robbers as...
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Brother_Tempus posted:
SoBaKi posted:
Just because their isn't a PERSON as a victim, doesn't mean a crime hasn't been committed, you effing retard.
...a state which chooses to pursue a victimless act as a crime wants to deter people from committing potentially dangerous acts in order to prevent future victimed occurances.
Fixed so you can realize your idiocy.
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Brother_Tempus
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Kjarhall posted:
Fixed so you can realize your idiocy.
The government has no authority to deter behavior that is not criminal, ergo its pursuit to make victimless acts, criminal, is also illegal.
The individual is not a slave to the state to live how the state tells it ... the individual is a free person and it is the state that is beholden to the individual since the state cannot exist without the individual, whereas, the individual can LIVE without the state
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Kjarhall
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Mortgage defaulters are to bank robbers as...
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Brother_Tempus posted:
Kjarhall posted:
Fixed so you can realize your idiocy.
The government has no authority to deter behavior that is not criminal, ergo its pursuit to make victimless acts, criminal, is also illegal.
The individual is not a slave to the state to live how the state tells it ... the individual is a free person and it is the state that is beholden to the individual since the state cannot exist without the individual, whereas, the individual can LIVE without the state
You really believe this stuff huh?
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Brother_Tempus
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Kjarhall posted:
You really believe this stuff huh?
No need to believe what is fact, you only need belief when its something that fails the test of factual review like the system of social democracy or progressivism.
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Sin_of_Onin
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Paul's analogies are to horses as cat poop is to cats.
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Grymlo
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paulg_68 posted:
So bank appraisers making $50k/year were supposed to know that properties were overvalued when the House and Senate didn't?
Actually yes they were. Also they typically are subcontracted appraisers who make quite a bit more than 50k a year.
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theredkay1
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paulg_68 posted:
So bank appraisers making $50k/year were supposed to know that properties were overvalued when the House and Senate didn't?
Yes. Thats their job right? Banks might need to pay them more if they need better appraisers. They should certainly stop paying them anything if they can screw up that badly.
I thought the private market was supposed to be better, smarter and just more awesome than big ole stupid government? This is a big shift for you.
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Yukishiro1
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paulg_68 posted:
So bank appraisers making $50k/year were supposed to know that properties were overvalued when the House and Senate didn't?
Paul is doubling down on the stupid in this thread.
Also, based on Paulconomics, if we just paid the appraisers $500k instead we wouldn't have these problems!
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Brother_Tempus
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paulg_68 posted:
So bank appraisers making $50k/year were supposed to know that properties were overvalued when the House and Senate didn't?
Dr. Ron Paul did ... he called it back in 2003
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Kjarhall
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Brother_Tempus posted:
Kjarhall posted:
You really believe this stuff huh?
No need to believe what is fact, you only need belief when its something that fails the test of factual review like the system of social democracy or progressivism.
So you don't know what the word fact means either, got it.
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Brother_Tempus
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Kjarhall posted:
So you don't know what the word fact means either, got it.
Khar is affected becuase all he has to argue with is schoolyard-level taunts ... read some books, get educated and come on back when your ready to debate ..
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Szerek
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I think I have a better, more accurate analogy.
Mortgage defaulters are to crown molding as coelacanths are to partially hydrogenated oils.
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Tych2
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Brother_Tempus posted:
Kjarhall posted:
So you don't know what the word fact means either, got it.
Khar is affected becuase all he has to argue with is schoolyard-level taunts ... read some books, get educated and come on back when your ready to debate ..
Your delusion is a comedy. No one here debates you. Every reply to your post is someone mocking you for one thing or another.
What makes you think you are worthy of debate?
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Modeeb
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Mortgage default is to bank robbery as
an unemployment check is to a bag of stolen money.
My Millers Analogies Score was 99. I missed one when I applied to grad school.
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imaloon1
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Sin_of_Onin posted:
Paul's analogies are to horses as cat poop is to cats.
I think he's just bored because he's not normally this stupid.
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SoBaKi
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Brother_Tempus posted:
Kjarhall posted:
You really believe this stuff huh?
No need to believe what is fact, you only need belief when its something that fails the test of factual review like the system of social democracy or progressivism.
I actually feel sorry for your children. They're going to grow up all messed up.
Given that your children are the victims of your idiocy, you should be locked up.
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imaloon1
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Pot meet kettle....
Although with you being a Poofer and all I guess the kid thing isn't really applicable.
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SoBaKi
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imaloon1 posted:
Pot meet kettle....
Although with you being a Poofer and all I guess the kid thing isn't really applicable.
Next time I need some Enquirer level conspiracy entertainment, I will ask you. Until then, stfu crazy man.
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imaloon1
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PFFFFT...
Which is also coincidentally the sound you make when you fart.
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Fist_de_Yuma
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Subject:
Mortgage defaulters are to bank robbers as...
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You have to wonder at people who feel pity for the thief while attacking the victim. Liberal logic is easy to predict. Just take the truth and turn it 180 degrees.
-----signature-----
There are three kind of liberals;
Stupid, ignorant or evil
The result is always evil but the intent is not always evil. Not that it makes much difference in the long run.
No one here is exactly as they seem. - G'Kar
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sweeny_comodore
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Subject:
Mortgage defaulters are to bank robbers as...
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Groucho48 posted:
You forgot to add...
And bankers who made those stupid loans are the equivalent of the bartenders who serve a guy 25 drinks, then tell him to drive safe as he stumbles out the door.
"oh, cmon you sissy. you can drink another. youre perfectly fine to drive. just have 2 more drinks. ill tell ya what, buddy.. 3 more drinks and ill let ya walk out of here.."
...said the bartender/banker
-----signature-----
Jesus? No, but there is indeed a god shaped hole in the heart of man, why is yours so empty? -- snarf igraine the original monotheism: http://en.wikipedia.org/wiki/Phallus
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sweeny_comodore
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Subject:
Mortgage defaulters are to bank robbers as...
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mwuahahhaa
when the cop busts these dumbasses he gives me a 20% kickback on all the bad drunks i send out of here...
ill just keep pushing bad drunks out the door
said the banker, err, i mean bartender
-----signature-----
Jesus? No, but there is indeed a god shaped hole in the heart of man, why is yours so empty? -- snarf igraine the original monotheism: http://en.wikipedia.org/wiki/Phallus
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