Barack Obama, our next President

"The road ahead will be long. Our climb will be steep," Obama cautioned. Young and charismatic but with little experience on the national level, Obama smashed through racial barriers and easily defeated ... Full Story
WOW

Bronx, NY

#958654 Aug 2, 2013
HAHAHAHAHAHLOLOLOLOLOLOLOl POTS AND KETTLES President Obama doesn’t care for the influence that narcissistic celebrities have on today’s youth. In a recent interview with Amazon.com , Obama said negative influences such as Kim Kardashian and Kanye West didn’t distract him from his pursuit of the American dream when he was a kid. Obama blamed today’s confluence of narcissistic, self-obssessed traits on the influence of Kim and Kanye and reality TV shows.

THE LOVE OF HIS LIFE JAY Z AND BEYONCE MICHELLE ALSO
yEAH

Honolulu, HI

#958655 Aug 2, 2013
Anonymous of Indy wrote:
<quoted text>the CRA was used to redisbute Tax Payer Dollars and Federal Government was taking the risk out for Banks too which was the deal since the Federal Government was forcing banks to lend under the CRA to high risk individuals and would assume the losses if any were involved with Tax Payer Dollars and it started in 1995 with changes to the CRA under the Clinton Adminstration and in 2008 the Federal Government ended up having to pump billions of Tax Payer Dollars into Fannie Mae and Freddie Mac because of all the bad mortages that where given to people because of Pseudo Liberalisms version of Socialism that forced the banks to give loans to people who couldnt afford the houses anyways and the bailout of Fannie Mae & Freddie Max was part of the 2008 financial crisis bailouts and your...
12/07/2012 @ 11:43AM
FHA Will Cost Taxpayers $150 Billion
http://www.forbes.com/sites/richardfinger/201...
http://www.minneapolisfed.org/ publications_papers/pub_displa y.cfm?id=4136

"...Assessing banks in context

The CRA directs federal banking regulatory agencies, including the Federal Reserve, to use their supervisory authority to encourage banking institutions to help meet the credit needs of all segments of their local communities. These communities, referred to hereafter as CRA assessment areas, are defined as the areas where banking institutions have a physical branch office presence and take deposits, including low- and moderate-income areas. The banking agencies periodically assess the performance of banking institutions in serving their local communities, including their patterns of lending to lower-income households and neighborhoods, and take the assessments into consideration when reviewing the institutions' applications for mergers, acquisitions, and branches.

The CRA emphasizes that banking institutions fulfill their CRA obligations within the framework of safe and sound operation. CRA performance evaluations have become more quantitative since 1995, when regulatory changes were enacted that stress actual performance rather than documented efforts to serve a community's credit needs. However, the CRA does not stipulate minimum targets or even goals for the volume of loans, services, or investments banking institutions must provide. While it is fair to say that the primary focus of CRA evaluations is the number and dollar amount of loans to lower-income borrowers or areas, the agencies instruct examiners to judge banks' performance in light of 1) each institution's capacity to extend credit to lower-income groups and 2) the local economic and market conditions that might affect the income and geographic distribution of lending...."

"...Using loan origination data obtained pursuant to the Home Mortgage Disclosure Act (HMDA), we find that in 2005 and 2006, independent nonbank institutions—institutions not covered by the CRA—accounted for about half of all subprime originations.(See Table 1.) Also, about 60 percent of higher-priced loan originations went to middle- or higher-income borrowers or neighborhoods, populations not targeted by the CRA.(See Table 2.) In addition, independent nonbank institutions originated nearly half of the higher-priced loans extended to lower-income borrowers or borrowers in lower-income areas (share derived from Table 2).

In total, of all the higher-priced loans, only 6 percent were extended by CRA-regulated lenders (and their affiliates) to either lower-income borrowers or neighborhoods in the lenders' CRA assessment areas, which are the local geographies that are the primary focus for CRA evaluation purposes. The small share of subprime lending in 2005 and 2006 that can be linked to the CRA suggests it is very unlikely the CRA could have played a substantial role in the subprime crisis...."
WOW

Bronx, NY

#958656 Aug 2, 2013
Patriot wrote:
An EMP Missing By TWO WEEKS Is NOT a Near Miss
Friday, August 2, 2013
As some of you will know I report on the space weather regularly when there is something going on…or something might be going on in the hours following the article.
I was shocked yesterday to see reports of a ‘Carrington-class event’ that occurred two weeks ago. I trawled the NASA and NOAA sites looking for what I had missed. I had missed nothing, there was no such event. A report on spaceweather.com this morning says:
"Many readers are asking about a report in the Washington Examiner, which states that a Carrington-class solar storm narrowly missed Earth two weeks ago. There was no Carrington-class solar storm two weeks ago. On the contrary, solar activity was low throughout the month of July. The report is erroneous. The possibility of such a storm is, however, worth thinking about: A modern Carrington event would cause significant damage to our high-tech society."
I am all in favor of alerting the public of both the United States and the wider world of any incoming event but throwing out spurious reports serves no purpose.
Here’s what Jim Woolsey has to say -
http://www.activistpost.com/2013/08/an-emp-mi...
THEY CONTINUE to FOCUS on the OBAMA distraction EMP doesnt care about RACE or POLITICAN PARTIES non science people could careless about anything in the science because its not all about personalities, pop culture and it requires facts undereducated folks do not have a clue so all they have is BLACk WHITE RACISM HOMOSEXUALITY GREEN ILLEGAL ENTRANTS LIBS RINO TP ALL DOESNT MATTER OBAMA CANT DO NOTHING ABOUT THIS LIKE MOST OTHER THINGS WHY WASNT THE PUBLIC MADE AWARE OF THIS BEFORE and when disaster hits they wont tell you before no similng OBAMA wont tell you NOTHING or anyother POLITICIAN they will go to their BUNKERS WITH THEIR FAMILIES AND YOUR VOTE WILL MEAN NOTHING
TSM

El Paso, TX

#958657 Aug 2, 2013
All Americans should be outraged that congressional staffers are exempt from Obamacare, taxpayers on the hook to pay 75% of staffers Health Care premiums nothing like a 75% pay raise…Right!!

Since: Aug 11

Location hidden

#958658 Aug 2, 2013
RealDave wrote:
<quoted text>
When will; you dumbass right whiners EVER learn how the CRA worked.
Please.
You are embarrassing yourself with your ignorance.
The CRA said banks had to use some of their profits to help people in their commuities to buy homes. For those who could not quite meet the down payment or mothly payments, banks would lower their rates a little so these people would be able to afford to make the payments. In any event, borrows HAD TO SHOW THEY COULD MAKE THOSE PAYMENTS. If they still had to prove they could make those payments, where was the high risk?
If you couldn't but your dream house because you the payments were too high but 6 months later interest rates dropped & now you could, that make you a riskier buyer?
Of course not.
BTW If Clinton signed aything, the Republicans had to have passed it in Congress& in 3008, Bush would have had to sign it.
we know how you dumbass left whiners used the CRA to redistribute US Tax Dollars and everyone knows how you Pseudo Liberals opperate here in the US especially when it comes to someone elses wealth & money.
Please.

Since: Aug 11

Location hidden

#958659 Aug 2, 2013
RealDave wrote:
<quoted text>
When will; you dumbass right whiners EVER learn how the CRA worked.
Please.
You are embarrassing yourself with your ignorance.
The CRA said banks had to use some of their profits to help people in their commuities to buy homes. For those who could not quite meet the down payment or mothly payments, banks would lower their rates a little so these people would be able to afford to make the payments. In any event, borrows HAD TO SHOW THEY COULD MAKE THOSE PAYMENTS. If they still had to prove they could make those payments, where was the high risk?
If you couldn't but your dream house because you the payments were too high but 6 months later interest rates dropped & now you could, that make you a riskier buyer?
Of course not.
BTW If Clinton signed aything, the Republicans had to have passed it in Congress& in 3008, Bush would have had to sign it.
How The Democrats Caused The Financial Crisis: Starring Bill Clinton's HUD Secretary Andrew Cuomo And Barack Obama; With Special Guest Appearances By Bill Clinton And Jimmy Carter

“Often imitated”

Since: Jul 07

never duplicated

#958660 Aug 2, 2013
frontporchreactionary wrote:
<quoted text>
Camden City Gardens
“We’re one of the poorest cities, and the second-most-dangerous city in the nation, but 100 percent of our gardens grow surplus crops and give them away. Our gardeners grow more than five hundred thousand pounds of fresh food a year on twenty-five acres and, according to the University of Pennsylvania, about 10 percent of Camden’s population gets some of their produce from our programs.”– Mike Devlin, Camden City Garden Club, Camden, in Michelle Obama’s American Grown
GNJP host Megan Gunning and videographer Frank Foley were in Camden with JoAnne Ruscio on the hottest day of the summer to meet Mike Devlin – a dynamo in the battle against hunger; and the Camden residents who are responsible for more than 100 gardens in the city, the fastest growing community gardening program in the country. GNJP was filming a short video to raise funds for several short and long videos on city gardens in Camden.
There are several reasons why Camden has so many urban gardens - and they aren’t all good reasons. The plenitude of vacant lots and the lack of access to fresh food – a true food desert – are redeemed by the other reasons: the dedicated vision and leadership of Mike, Valerie, the farmers, the faith-based institutions in the city and the volunteers.
In the program, we’ll also take a look at the Camden Children’s Garden, a popular place for families in the city; and we’ll take part in a church supper prepared by local gardeners with local produce. This program will be as much about the people as the produce. And we may convince the chefs to share some of their recipes online.
— 500,000 lbs from 25 Acres (14 photos)
I already know you're an idiot. You don't have to keep proving it.
Realtime

Deltona, FL

#958661 Aug 2, 2013
RealDave wrote:
<quoted text>
You do know Graham, Leach & Bliley were al Republicans, right?
Just checking.
Gramm! Phil Gramm's name appears on the list of the twenty five persons most responsible for the mortgage meltdown, interesting because he was no longer in government when the meltdown began. His wife Wendy was also an economist and like her husband an interesting creature.

Gramm-Leach-Bliley was only a part of the financial madness that Gramm introduced while serving as both a Democrat and Republican congressman and a Republican senator.

This is a guy that America didn't really need in high office.
WOW

Bronx, NY

#958662 Aug 2, 2013
WHITE ON WHITE CRIME STOPS BLACK ON BLACK CRIME so the more finger pointing that goes on the helps either community what is AL SHARPTON AN EXPERT IN THAT MAKES HIM A LEADER IN AMERICA HE IS NOT A MEDICAL DOCTOR, HE IS NOT A SCIENTISTS,HE DOESNT SOLVE ANY PROBLEMS,HE NOT AN ECONOMISTS,(he gets money),THEY TALK ABOUT THE POOR BUT THEY GET RICH lololololhahahaha HOW COME THEY CANT TEACH THE UNDERACHIEVERS HOW TO BETTER THEMSELVES SHARPTON DOESNT HAVE A HIGHER EDUCATION why is he a LEADER in AMERICA MOST IF NOT ALL CIVIL RIGHTS LEADERS IN THE PAST THAT WERE EFFECTIVE THEY WERE FORMALLY EDUCATED now THE PUBLIC LEADERSHIP is undereducated
yEAH

Honolulu, HI

#958663 Aug 2, 2013
Anonymous of Indy wrote:
<quoted text>we know how you dumbass left whiners used the CRA to redistribute US Tax Dollars and everyone knows how you Pseudo Liberals opperate here in the US especially when it comes to someone elses wealth & money.
Please.
What you 'know' unfortunately doesn't coincide with the facts.

“Often imitated”

Since: Jul 07

never duplicated

#958664 Aug 2, 2013
RealDave wrote:
<quoted text>
People should be taxed to help pay for their community schools. It is the mandate in most states to provide an education for every child.
That means irregardless if you have any kids or not.
Now, you can take advantage of that free public education or pay to send your kids where ever else you want on your own dime.
To think when you pay school taxes you pay for just your kid is beyond stupid
In addition to property taxes, I'm also billed for the following directly from the public schools.

P.e. uniform
Locker lock
Art supplies
Shop supplies
Parking pass
yEAH

Honolulu, HI

#958665 Aug 2, 2013
Realtime wrote:
<quoted text>Gramm! Phil Gramm's name appears on the list of the twenty five persons most responsible for the mortgage meltdown, interesting because he was no longer in government when the meltdown began. His wife Wendy was also an economist and like her husband an interesting creature.
Gramm-Leach-Bliley was only a part of the financial madness that Gramm introduced while serving as both a Democrat and Republican congressman and a Republican senator.
This is a guy that America didn't really need in high office.
And he was suspected of being McCain's choice for Treasury Secty.

“Often imitated”

Since: Jul 07

never duplicated

#958666 Aug 2, 2013
sonicfilter wrote:
John Oliver raked Fox News over the coals on Thursday's episode of "The Daily Show," mocking the network's parade of conservative commentators for their opposition to striking fast food workers who are demanding higher wages.
After running a clip of Greg Gutfeld suggesting that raising wages for low-income workers will make things a little too cushy, Oliver mockingly elaborated on the argument.
"If you raise the minimum wage, people will never stop working in the fast food industry," Oliver said. "They'll get so comfortable in those hot kitchens and in their acrylic uniforms, relaxing in that grease fog, smelling like processed meat no matter how many showers they take."
Next up for Oliver's wrath was Gutfeld's co-host of "The Five," Andrea Tantaros, who said that if the "Obama economy" was stronger, the striking fast food workers would surely already be receiving higher wages.
"Yes, because that's how capitalism works," Oliver observed. "Companies always pass on higher profits to their lower-level workers. That's a fact."
But the interim host saved his most stinging blow for Wall Street cheerleader Neil Cavuto, a Fox News financial analyst who waxed nostalgic about his days earning $2 an hour as a 16-year-old fast food worker. Oliver pointed out that the current median age of fast workers is 28, much different than "a 16-year-old Neil Cavuto getting his first job to earn money for beer and porn." Moreover, Oliver highlighted the fact that when the $2 wage Cavuto earned in 1974 is adjusted for inflation, it comes out to $9.47 per hour —$2.22 more than the current federal minimum wage.
"It's incredible that he had the incentive to leave that for his high-paying job on television right now," Oliver said. "He really pulled himself up by his bootstraps."
http://livewire.talkingpointsmemo.com/entry/d...
Too many people think working at mcdonalds should pay a family of 4 enough to live comfortably.

“Bill Clinton could have ”

Since: May 10

Prevented this

#958667 Aug 2, 2013
sonicfilter wrote:
Charlie Rangel: Tea Party Is ‘Same Group’ Of ‘White Crackers’ Who Fought Civil Rights
http://livewire.talkingpointsmemo.com/entry/c...
A sex tape that Monica Lewinsky recorded for Bill Clinton at the height of their scandalous affair has leaked.

“Come Home America!”

Since: Nov 11

Claymont, Delaware 19809

#958668 Aug 2, 2013
Eman wrote:
<quoted text>
I already know you're an idiot. You don't have to keep proving it.
So, you want to prove that you're an empty-headed shell of a human being. So, what else is new?

“Come Home America!”

Since: Nov 11

Claymont, Delaware 19809

#958669 Aug 2, 2013
Eman wrote:
<quoted text>
Too many people think working at mcdonalds should pay a family of 4 enough to live comfortably.
It sure pays off working at McDonald's if you're the CEO. He gets $30 Million dollars. The average worker makes a meager $18,000 if even that much.
Lily Boca Raton Fl

Boca Raton, FL

#958670 Aug 2, 2013
frontporchreactionary wrote:
<quoted text>
Camden City Gardens
“We’re one of the poorest cities, and the second-most-dangerous city in the nation, but 100 percent of our gardens grow surplus crops and give them away. Our gardeners grow more than five hundred thousand pounds of fresh food a year on twenty-five acres and, according to the University of Pennsylvania, about 10 percent of Camden’s population gets some of their produce from our programs.”– Mike Devlin, Camden City Garden Club, Camden, in Michelle Obama’s American Grown
GNJP host Megan Gunning and videographer Frank Foley were in Camden with JoAnne Ruscio on the hottest day of the summer to meet Mike Devlin – a dynamo in the battle against hunger; and the Camden residents who are responsible for more than 100 gardens in the city, the fastest growing community gardening program in the country. GNJP was filming a short video to raise funds for several short and long videos on city gardens in Camden.
There are several reasons why Camden has so many urban gardens - and they aren’t all good reasons. The plenitude of vacant lots and the lack of access to fresh food – a true food desert – are redeemed by the other reasons: the dedicated vision and leadership of Mike, Valerie, the farmers, the faith-based institutions in the city and the volunteers.
In the program, we’ll also take a look at the Camden Children’s Garden, a popular place for families in the city; and we’ll take part in a church supper prepared by local gardeners with local produce. This program will be as much about the people as the produce. And we may convince the chefs to share some of their recipes online.
— 500,000 lbs from 25 Acres (14 photos)
I love this! Similar program in Detroit, employing people who who have been in jail. Just phenomenal.
Lily Boca Raton Fl

Boca Raton, FL

#958671 Aug 2, 2013
frontporchreactionary wrote:
<quoted text>Wrong as usual. This Russian rebuke of the American request to send Snowden back for trial is merely another macho man antic of retard Russian strongman Putin. It is an unnecessary and foolish way to weaken Russian/American cooperative relations.
Yes, a huge mistake

“Often imitated”

Since: Jul 07

never duplicated

#958672 Aug 2, 2013
sonicfilter wrote:
Charlie Rangel: Tea Party Is ‘Same Group’ Of ‘White Crackers’ Who Fought Civil Rights
http://livewire.talkingpointsmemo.com/entry/c...
Why are you embarassing rangle. I thought he was on your side.

“Bill Clinton could have ”

Since: May 10

Prevented this

#958674 Aug 2, 2013
TSM wrote:
All Americans should be outraged that congressional staffers are exempt from Obamacare, taxpayers on the hook to pay 75% of staffers Health Care premiums nothing like a 75% pay raise…Right!!
Government of the government, by the government, for the government .

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