do i have this straight

[ebag33]

I heard someone the other day say that if you had a broken down car that you had been trying to fix for eight years with a certain wrench and every time you used that wrench it didnt fix the problem would you keep trying that wrench for another four years or would you pick a different wrench even if you were unsure if it was the right one. I guess what Im saying is it is about time to use a different tool to try and fix the problem. Our economic policies arent working our foreign policies arent working as a matter of fact their is not much at all working under the current commander and chief.

Gabe Miskimen

[Honey Pot Hounds]

When have the poor ever got richer off the government anyway????? Welfare isn't rich, it's a trap.
BOTH parties have major problems....both parties hold blame in EVERYTHING bad going on right now. It's so bad right now that even the freaking financial geniuses aren't sure how to fix it.

For any of you that like to read check this out:

Lets take a look 9 years ago (BEFORE BUSH) at this New York Times article (A LIBERAL paper), send this to your congresspeople, and maybe they should be the ones apologizing. Interesting to note is paragraph #3 who pushed the idea to get us in the mess we are in…

http://query.nytimes.com/gst/fullpage.h ... gewanted=1

Fannie Mae Eases Credit To Aid Mortgage Lending
By STEVEN A. HOLMES
Published: September 30, 1999
In a move that could help increase home ownership rates among minorities and low-income consumers, the Fannie Mae Corporation is easing the credit requirements on loans that it will purchase from banks and other lenders.

The action, which will begin as a pilot program involving 24 banks in 15 markets -- including the New York metropolitan region -- will encourage those banks to extend home mortgages to individuals whose credit is generally not good enough to qualify for conventional loans. Fannie Mae officials say they hope to make it a nationwide program by next spring.

Fannie Mae, the nation's biggest underwriter of home mortgages, has been under increasing pressure from the Clinton Administration to expand mortgage loans among low and moderate income people and felt pressure from stock holders to maintain its phenomenal growth in profits.

In addition, banks, thrift institutions and mortgage companies have been pressing Fannie Mae to help them make more loans to so-called subprime borrowers. These borrowers whose incomes, credit ratings and savings are not good enough to qualify for conventional loans, can only get loans from finance companies that charge much higher interest rates -- anywhere from three to four percentage points higher than conventional loans.

''Fannie Mae has expanded home ownership for millions of families in the 1990's by reducing down payment requirements,'' said Franklin D. Raines, Fannie Mae's chairman and chief executive officer. ''Yet there remain too many borrowers whose credit is just a notch below what our underwriting has required who have been relegated to paying significantly higher mortgage rates in the so-called subprime market.''

Demographic information on these borrowers is sketchy. But at least one study indicates that 18 percent of the loans in the subprime market went to black borrowers, compared to 5 per cent of loans in the conventional loan market.

In moving, even tentatively, into this new area of lending, Fannie Mae is taking on significantly more risk, which may not pose any difficulties during flush economic times. But the government-subsidized corporation may run into trouble in an economic downturn, prompting a government rescue similar to that of the savings and loan industry in the 1980's.

''From the perspective of many people, including me, this is another thrift industry growing up around us,'' said Peter Wallison a resident fellow at the American Enterprise Institute. ''If they fail, the government will have to step up and bail them out the way it stepped up and bailed out the thrift industry.''

Under Fannie Mae's pilot program, consumers who qualify can secure a mortgage with an interest rate one percentage point above that of a conventional, 30-year fixed rate mortgage of less than $240,000 -- a rate that currently averages about 7.76 per cent. If the borrower makes his or her monthly payments on time for two years, the one percentage point premium is dropped.

Fannie Mae, the nation's biggest underwriter of home mortgages, does not lend money directly to consumers. Instead, it purchases loans that banks make on what is called the secondary market. By expanding the type of loans that it will buy, Fannie Mae is hoping to spur banks to make more loans to people with less-than-stellar credit ratings.

Fannie Mae officials stress that the new mortgages will be extended to all potential borrowers who can qualify for a mortgage. But they add that the move is intended in part to increase the number of minority and low income home owners who tend to have worse credit ratings than non-Hispanic whites.

Home ownership has, in fact, exploded among minorities during the economic boom of the 1990's. The number of mortgages extended to Hispanic applicants jumped by 87.2 per cent from 1993 to 1998, according to Harvard University's Joint Center for Housing Studies. During that same period the number of African Americans who got mortgages to buy a home increased by 71.9 per cent and the number of Asian Americans by 46.3 per cent.

[JUDE]

George Bush has DESTROYED our country sooooooo badly
it would take a good president and congress working together
20 + years to straighten things out imo . Whoever voted for Bush
last term and the term before that PLEASE stay home
this election .

With this said , don't look for things to get any better .

[Honey Pot Hounds]

George Bush has DESTROYED our country sooooooo badly
it would take a good president and congress working together
20 + years to straighten things out imo . Whoever voted for Bush
last term and the term before that PLEASE stay home
this election .

With this said , don't look for things to get any better .

Oh yeah? You don't know what destroyed is. A terrorist attack in NYC with a nuclear weapon, THAT is destruction. But you know what, none of this matters because no matter what happens you will say it's Bush's fault. I will bet you that if Obama wins the election terrorists will attack within 3 years and get away with it. None of this talk matters though, it is all BS. What is going to happen is going to happen no matter how much WE argue about it. Just be careful what you wish for. I'm checking out now, I have said as much as I feel like saying to beaglers, whom I do love no matter which party you support, on this matter.

[Bev]

This one's going over to the Patriotism forum.

[JUDE]

George Bush has DESTROYED our country sooooooo badly
it would take a good president and congress working together
20 + years to straighten things out imo . Whoever voted for Bush
last term and the term before that PLEASE stay home
this election .

With this said , don't look for things to get any better .

Oh yeah? You don't know what destroyed is. A terrorist attack in NYC with a nuclear weapon, THAT is destruction. But you know what, none of this matters because no matter what happens you will say it's Bush's fault. I will bet you that if Obama wins the election terrorists will attack within 3 years and get away with it. None of this talk matters though, it is all BS. What is going to happen is going to happen no matter how much WE argue about it. Just be careful what you wish for. I'm checking out now, I have said as much as I feel like saying to beaglers, whom I do love no matter which party you support, on this matter.

Who was president the last time terrorist attacked ?


.

[Newt]

I can say George Bush and Dick Chaney and all of the republicans and they will laugh all the way to the bank when they leave office and go back to there oil companies,the rich gets richer and the poor gets poorer when you republicans are in office.

Why don't you do a search of the richest Senators in Washington and then tell me how they earned the money. Obama and Clinton both grew up as paupers. Hint: They aren't the richest politicians in Washington. I have no idea how they attended Ivy League universities? Now they are multi million aires. George Bush earned his with oil wells. I know you don't use oil products. Be honest, which democrats have ever ran a business and paid a payroll for working people? Using my tax money to buy votes doesn't count as meeting a payroll.

[bluegrass]

I can not believe you guys would vote for another republican after what they have done to this country for the last eight years,this country cannot stand four more years of all the bs you republicans are feeding us,im sure glad that they didnt let bush invest social security money into wall street,you boys had better wake up,obama cant do nothing to this country that george bush hasnt already done.

You must be kidding...Bush wasnt going to invest YOUR social security money into Wall Street, thats the dopiest thing I have heard regarding the insolvency of Social Security...He did propose informally that WE should be able to determine the best course for OUR money, not leaving it in some Government program somewhere...I dont know how old you are, but I am only 40 and I dont think I will see one darn dime of what I paid into SS so far...and if you really think that OBAMA cant do anything to this country that Bush hasnt already done you are sadly mistaken...does the name Jimmy Carter mean anything to you????

Tony

[bluegrass]

George Bush has DESTROYED our country sooooooo badly
it would take a good president and congress working together
20 + years to straighten things out imo . Whoever voted for Bush
last term and the term before that PLEASE stay home
this election .

With this said , don't look for things to get any better .

Better to keep your mouth shut and be thought of as an IDIOT than to open it and remove all doubt....


Good Grief no wonder Obama thinks hes smart...

Tony

[MObeagler79]

George Bush has DESTROYED our country sooooooo badly
it would take a good president and congress working together
20 + years to straighten things out imo . Whoever voted for Bush
last term and the term before that PLEASE stay home
this election .

With this said , don't look for things to get any better .

It is amazing to me that people still do not know how a DEMOCRACY works

[Smoke them Bunnys]

George Bush has DESTROYED our country sooooooo badly
it would take a good president and congress working together
20 + years to straighten things out imo . Whoever voted for Bush
last term and the term before that PLEASE stay home
this election .

With this said , don't look for things to get any better .

Oh yeah? You don't know what destroyed is. A terrorist attack in NYC with a nuclear weapon, THAT is destruction. But you know what, none of this matters because no matter what happens you will say it's Bush's fault. I will bet you that if Obama wins the election terrorists will attack within 3 years and get away with it. None of this talk matters though, it is all BS. What is going to happen is going to happen no matter how much WE argue about it. Just be careful what you wish for. I'm checking out now, I have said as much as I feel like saying to beaglers, whom I do love no matter which party you support, on this matter.

And where is Bin Ladden still free and roaming around in the mountains looks like he got a way with it to like you said whats going to happen is going tttoooo.

[MObeagler79]

[/quote]

I will bet you that if Obama wins the election terrorists will attack within 3 years and get away with it. [/quote]

It might be the under on that bet, when you have that many radicals for friends, it won't take long.

[wildhare2]

You all should be putting as much time and effort into your hounds instead of this pissing match. 2 things not to discuss on a message board with people.
1. POLITICS
2. RELIGION

Everyone has a choice here and that is all that matters. No one is going to turn anyone's thinking around by pissin and moaning. Vote on whoever best suits what you want for your family. I am going to vote for my job!!!!!!!!!! IF YOU CAN'T MAKE MONEY, WHAT ELSE MATTERS ANYWAY?

[Smoke them Bunnys]

You all should be putting as much time and effort into your hounds instead of this pissing match. 2 things not to discuss on a message board with people.
1. POLITICS
2. RELIGION

Everyone has a choice here and that is all that matters. No one is going to turn anyone's thinking around by pissin and moaning. Vote on whoever best suits what you want for your family. I am going to vote for my job!!!!!!!!!! IF YOU CAN'T MAKE MONEY, WHAT ELSE MATTERS ANYWAY?

Well said family first lets talk hounds let this rest.

[Pike Ridge Beagles]

George Bush has DESTROYED our country sooooooo badly
it would take a good president and congress working together
20 + years to straighten things out imo . Whoever voted for Bush
last term and the term before that PLEASE stay home
this election .

With this said , don't look for things to get any better .

Oh yeah? You don't know what destroyed is. A terrorist attack in NYC with a nuclear weapon, THAT is destruction. But you know what, none of this matters because no matter what happens you will say it's Bush's fault. I will bet you that if Obama wins the election terrorists will attack within 3 years and get away with it. None of this talk matters though, it is all BS. What is going to happen is going to happen no matter how much WE argue about it. Just be careful what you wish for. I'm checking out now, I have said as much as I feel like saying to beaglers, whom I do love no matter which party you support, on this matter.

And where is Bin Ladden still free and roaming around in the mountains looks like he got a way with it to like you said whats going to happen is going tttoooo.

I don't think anyone in their right mind cares where Bin Laden is at. He's insignificant in the scheme of things. Most likely.....he's dead, or will be eventually. He is not Al Quaida. He is a pizz ant in terms of what we are fighting against and he is not Al Quaida. He is only a SMALL portion...very small.
Sadam is in Hell...so the rest will follow and there won't be any virgins awaiting them.