२८ फेब्रुवारी, २०१३
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२०९ टिप्पण्या:
209 पैकी 1 – 200 नवीन› नवीनतम»Nice {/srcsm}.
Why should they apologize? I thought it was conventional wisdom (at least Dust Bunny Queen said) that the housing crisis was caused by giving loans to irresponsible colored people.
Freder Frederson incites...
Why should they apologize? I thought it was conventional wisdom (at least Dust Bunny Queen said) that the housing crisis was caused by giving loans to irresponsible colored people.
In my neighborhood (Oceanside, CA), the housing crisis od 2005 was precipitated by giving loans to unqualified people. What about yours?
What's offensive is the idea that a black guy would ever wear a monocle.
As I have written before, often, if the people who borrowed paid it back as they promised there would never have been a melt down.
"In late 2009, Bloomberg L.P. bought the magazine—for a reported $2 million to $5 million plus assumption of liabilities—and renamed it Bloomberg BusinessWeek."
"Bloomberg L.P. was formed as a Delaware Limited Partnership in 1981 and has been in business since 1983. Michael Bloomberg owns 88% of the partnership."
I once brought a liberal over to the conservative side by telling him to watch what mortgage lenders are called.
If they don't give out loans, they will be called "Redlining Racists".
If they DO give out loans, they will be called "Predatory Lending Racists".
After my prediction came true, he started reading Thomas Sowell and the liberals lost a voter for life.
My in-laws gave me a subscription to this for Christmas. Many of the articles read like press releases from the companies they cover. A few weeks ago, they did a "story" on a design company, which was little more than promotional information about the company. Very vaccuous coverage, very much spun, apparently to whatever interest is paying them.
There have been a few interesting articles. but nothing worth buying an issue for.
We are at the same point we were in '07 and Roubini is saying, "Watch out".
The fact is this is how it stated.
Freder Frederson said...
Why should they apologize? I thought it was conventional wisdom (at least Dust Bunny Queen said) that the housing crisis was caused by giving loans to irresponsible colored people.
Not CW, the facts and Willie and Andy Cuomo are the ones at fault.
The Dems including BJ Clinton were the main cause of the housing bubble and the eventual financial meltdown for they were responsible for pushing the Community Reinvestment Act. The vast majority of Americans don't know that because the Dems and the liberal media were successful in blaming George Bush who had tried to reform some of the excesses of Fanny Mae and Freddy Mac though the Dems were able to prevent it. Ironic that in the subsequent election they were rewarded for their misdeeds by the ignorant voters who hadn't a clue.
Would that cover be offensive if the story was the Pigford settlements?
Roubini's not the only one saying it.
Follow the charts at Confounded Interest.
Whoa! Is that a real magazine cover? I might have to see it and hold it in a store to believe it.
Well, Freder, even SNL had a skit which was partially changed about that.
Who thought giving loans to people who couldn't pay them back was a good idea?
A lot of today's problems are because of the nanny state - no risk.
The risk was removed from housing, student loans, etc.
Via Confounded Interest:
...In today’s House hearing with Fed Chairman Bernanke, Sean Duffy (R-WI) had an interesting exchange with Bernanke. According to Bloomberg in their article “Ben Bernanke, Sean Duffy, and the Watermelon Queen,” Duffy told Bernanke to cut a ton tof Federal fat, like shrimp treadmill studies, $27 million on Moroccan pottery classes and $2.2 billion in free cell phones and pays for the pottery classes of the watermelon queen of Alabama....
Why should they apologize? I thought it was conventional wisdom (at least Dust Bunny Queen said) that the housing crisis was caused by giving loans to irresponsible colored people.
We should never tell the truth, even if it causes our economy to collapse, lest we offend colored people!
Freder, is there any level of catastrophe that you are unwilling to ignore to avoid offending colored people?
How bad does it have to get before we're allowed to notice the bleeding?
From the article:
The idea is that we can know things are really getting out of hand since even nonwhite people can get loans these days! They ought to be ashamed.
As a bad person, I found the cover to be sort of funny in an offensive way (like my says about Archer) largely because of it's large, albeit not 100%, truth quotient.
Canary in the mine time.
At least it's not a high capacity magazine
No problem. Every issue comes with a "big green curtain" which is pulled back for an hour each week.
dreams
You left out the enthusiastic Bush administration's support for "black homeownership" which they proudly took credit for, even as they softly ...said ... shhh, maybe we oughta scale this back.
Businessweek hacked by the Onion
The magazine is just telling the truth. Zero down payment and easy terms with no real credit check is just asking for people to live beyond their means.
And yes, most are minorities. The same ones that voted for Obama. But I guess it's Obama's way of rewarding those who re-elected him.
HE won't be in office when the proverbial roof falls in.
That will be someone else's mess they inherited from him!
The cover is true. At least it's one of the truths.
Suppress it before I am blinded. Otherwise, I will have to gouge my eyes out!
Freeman Hunt said...
Whoa! Is that a real magazine cover? I might have to see it and hold it in a store to believe it.
The artwork does have sort of an old Robert Crumb look to it.
That cover is so, well, let's just say un-PC (I'd say racist, but, hey...) that I suspect there was a slip up somewhere. Someone drew a "joke" cover and it got printed as the real thing.
It happens. I have a US News & World Reports from when Mondale ran for president, and it has Mondale in boxer trunks lined up against his "campaign troubles" also portrayed as boxers in trunks. One of the problems is called "Veep Choice" and it has the fighter covering his face with his gloves, because at that point in the campaign Mondale hadn't picked a veep. The figure for the veep also had a very clear penis hanging out of the boxer trunks.
USN&WR issued an apology in the next issue.
Mitchell: If Obama gets his way, we will all receive govt-issued monocles cause we will all be rich!
The only mistake Business Week made was not including a goofy-looking white person in the mix.
If you believe that the covers of major magazines are contrary economic indicators, this cover should lead one to believe that the present improvements in the housing market will be short lived.
Let me just say, as a Southerner, I'm glad that this magazine is owned by the mayor of NYC & not by the mayor of Nashville.
Economic reality should be outlawed.
It's bad for colored people!
The NY Times had a sob story this week about some lady whose bank forgave her $115,000 2nd mortgage. But then the same back said they would foreclose on her because she was behind on her 1st mortgage. The NYT reporter took the obvious stance that the banks were so f-ing mean and this was unjust. As did the deadbeat borrower. I thought WTF I'd like my bank to forgive $115,000 off of my home mortgage!
The lazy, squeaky wheels in this country are getting greased and what a coincidence that most of them voted for the community organizer in chief.
Besides, everyone knows the recession was caused by those gingers - everything bad is. We need them like a foreclosed step-child.
Nobody apologized to me for being white and under six feet in height when I was not selected in the most recent NBA draft.
Oooooooohhhhh. Bloomie's a raaaaaacist, too.
I have no idea what was in the article, but yes, the cover! What were they not thinking?
Bernanke: Hey, I had a great idea at breakfast, let's reinflate the housing bubble.
Obama: Well, don't just stand there, get back in that helicopter of yours and resume the dollar drops.
Bernanke: I never stopped!
Obama: What a party animal!
Bernanke: Don't we complement each other beautifully?
Obama: We're two wild and crazy guys.
Guimo, I sit here right now nursing a calf muscle I just pulled 15 minutes ago playing basketball. They say white men can't jump. What they mean is they shouldn't try. The ball landed in my hand, and I went up for the shot imagining I looked like Kobe Bryant, but down I came like a dollop of vanilla pudding. I'll be limping for a week. "A man's got to know his limitations."
The hatred of minority house buyers is a strange bait to be swallowed here.
More white middle class Americans bought into the housing bubble trap than terrible freed blacks and Hispanic peasants.
The only bubble burst for everyone after the jobs ended. The jobs really ended in the late 1990s but the Dot Com wealth in IRAs with the Y2K super stimulus spending that had ended by early 2000, and then the war spending took over and was financed by capital gains and a housing bubble stimulus until 2006 when no more borrowers could be found at nothing down and low interest to buy into that housing and land Bubble.
Every one in DC was in on it.
LOL.
Although, in the rush to fingerwag for the "racism" contained in the cover, Althouse ignores the Honey Boo Boo-like white trash mom (alongside a genteel lamp clearly bought at the local Goodwill) on the lower left-hand corner.
Oh, these Baby Boomers. Always on alert to point out racism to the exclusion of all else.
What we see in evidence in the cover is CLASSICISM.
PS: I actually like June, HBB's mom. Seriously.
Cheers,
Victoria
Geez, all they had to do was add a Honey BooBoo & someone who looked like Jamie Dimon - in a monacle tails & top hat and it would have been fine.
They should have had some irresponsible white people in that house on the cover, just for balance. There were plenty of them buying houses that they couldn't afford, too, so it's wrong to blame it solely on irresponsible minority buyers. Just like Wall Street in 1929, when everyone just couldn't help but make money... Until the Crash, when it all came to an end. So, too, the bursting of the housing bubble in 2007.
She needed to be blonde.
Keep in mind some of the minority buying houses issue is not a knock on them, but that they were more easily tricked by brokers to lie about their income.
@VB,
I see the Woman Near the Lamp as representative of a stereotypical Mexican-American female look, what with teh comb in her hair, much like the vampier Latina-look diagonally to her.
But, you may be right, the WNL may be meant as a white trailer-trash stereotype, too. That would make the photo inclusive, after all.
Also, I can't believe this crowd missed it, but SQUIRREL!!!!!!
Via Confounded Interest:
Sequestration Update
According to Politico, the US Senate has rejected a Republican leadership bill giving President Barack Obama broad discretion to implement $85.3 billion in spending cuts over the remainder of this fiscal year. The proposal failed 38 to 62.
Senate Democrats fell short of the 60 votes needed to move ahead with their plan to forestall automatic across-the-spending cuts March 1.
The 51-49 roll call failed to attract Republican support because of differences over taxes and the defeat makes it almost certain the sequester cuts will go into effect by midnight Friday.
“Maxine Math” on the Sequester
And today, House member Maxine Waters (D-CA) announced that the sequester would cause 170 million jobs to be lost!!!!!!
Wow. This is especially troublesome given that there are only 155.7 million people in the US workforce. So, we lose the entire US workforce with the sequestration and then some.
Hopefully, she meant 170,000 jobs could be lost.
Someone drew a "joke" cover and it got printed as the real thing.
Yeah. It looks like the cover of a Cracked magazine.
"The hatred of minority house buyers is a strange bait to be swallowed here."
"The Community Reinvestment Act (CRA, Pub.L. 95–128, title VIII of the Housing and Community Development Act of 1977, 91 Stat. 1147, 12 U.S.C. § 2901 et seq.) is a United States federal law designed to encourage commercial banks and savings associations to help meet the needs of borrowers in all segments of their communities, including low- and moderate-income neighborhoods.[1][2][3] Congress passed the Act in 1977 to reduce discriminatory credit practices against low-income neighborhoods, a practice known as redlining.[4][5]"
http://en.wikipedia.org/wiki/Community_Reinvestment_Act
Honey Boo Boo is a rich white chick with humble preferences. She represents humility and frugality. A role model to us all.
Boy, DBQ, that sounds like the S&L scenario. I had a friend back then, a VP at a bank (late 80s), she told a group of us the Feds forced banks to give loans to companies and countries like Iran otherwise they'd be penalized.
They keeps spending OPM and it keeps crashing.
I looked at this cover carefully now. I am intrigued.
Top Left: The most overtly racist caricature shows a baby Buckwheat, wearing earbuds and feeding a mangy cur some pig's feet (I allege).
Top Right: Hot mami wearing those skin-tight yoga pants Spanish girls like to wear (at least, in Hialeah) is "tirando las cartas" with her Tarot cards. She is doing a reading for her trailer park friend, June, who is concerned about a black cat belonging to a Haitian guy who just moved in.
Lower Left: See above.
Lower Right: Jean-Thomas, fugee, and would-be real estate mogul. His cat, Lucienne, was rescued from being lunch at the local Chinese restaurant (unpictured).
This cover is a HOOT.
Cheers,
Victoria
That magazine cover is not racist, for crying out loud. You know what's racist? My dog. My dog is a racist motherfucker that would put Nathan Bedford Forrest to shame.
YoungHegelian:
OMG! I SEE THE SQUIRREL!!!!
What's even better is Bloomberg in big letters. LOLOLOLOL
So Nanny B avoiced paying his fair share by incorporating in Delaware, eh?
the housing crisis od 2005 was precipitated by giving loans to unqualified people.
The banks loaned the money foolishly. Who is more at fault, the person who takes a loan he is not qualified for or the lender who gives him the money?
The law was foolish. They followed the law. There might have even been pressure to follow the law.
Oh, my, that upper left corner, she looks like she's trying to get the dog drunk.
The banks loaned the money foolishly. Who is more at fault, the person who takes a loan he is not qualified for or the lender who gives him the money?
The person who asks such stupid questions.
So the artist who drew the cover is named ANDRES GUZMAN. He was born in Peru.
Another "white hispanic" messing up the race system in america you say?
he says he was asked to draw "an excited family with large quantities of money."
Maybe drawing black people was his way of being inclusive?
And why does nobody notice the white woman in the picture?
he's a talented artist
http://allmypistachios.tumblr.com/
Not CW, the facts and Willie and Andy Cuomo are the ones at fault.
Funny, there were similar meltdowns in Europe. I didn't realize the CRA extended there.
Who thought giving loans to people who couldn't pay them back was a good idea?
The banks apparently.
Freder: The person who does not repay his loan as agreed or who does not intend to pay is a crook. The banks who loan to those who are less than qualified are nonetheless expecting to be repaid. So, the person who does not honor their CONTRACT is at fault.
Victoria, my lady--good to see you back--hope all is well and you and your mom have your concealed carry permits.
and teh article inside is about how AFFLUENT people are a problem.
So this is a failure of inclusivity. They decided NOT to show a white guy in a top hat and monacle, and now they are in trouble.
Who thought giving loans to people who couldn't pay them back was a good idea?
The banks apparently.
The government definitely.
Not the banks, Freder, Congress.
Couldn't do it unless the law was changed.
Old rules were no more than 3x your income, debt couldn't be more than 28-33%. I knew a guy in the
80s who had to sell his sports car to qualify to buy his condo.
I should say the old rule of thumb, house shouldn't have been more than 3x your income.
The mayor of Nashville is from Massachusetts.
"The banks loaned the money foolishly. Who is more at fault, the person who takes a loan he is not qualified for or the lender who gives him the money"
The buyer is the dumber one. The agreement gives them no recourse. The bank at least has collateral to recover. The borrower just blew his down payment and and his credit as they should. The bank loses if it can't sell the asset for enough. The agreement are fair, but you have to look out for yourself.
The taxpayers are getting screwed for contracts they never signed. So the taxpayers who voted for the Democrats that propped up the damned system are the dumb ones. Is that you?
The person who does not repay his loan as agreed or who does not intend to pay is a crook.
No, he isn't. Defaulting on a debt is as American as apple pie and is not a crime. When companies do it, it is the cost of doing business (how many companies has Donald Trump taken into bankruptcy). It is only a moral failing for individuals.
Monocle! That's it! I was racking my brain to remember who Jean-Thomas reminded me of.
He looks like a cross between Dagwood Bumstead and Burgess Meredith as The Penguin!
http://www.bat-mania.co.uk/main/villains/penguin.php
Don't tell me no.
@jenny,
The mayor of Nashville is from Massachusetts.
That he had at least enough sense to move out of Massachusetts and head South should get him enough points to be a Southerner by attainment if not by birth!
The taxpayers are getting screwed for contracts they never signed.
Only because the Bush administration (granted the policy was continued by the Obama administration) agreed to bail out the banks and insurers.
"Wow. This is especially troublesome given that there are only 155.7 million people in the US workforce. So, we lose the entire US workforce with the sequestration and then some."
Some people have (had) two jobs.
"If you believe that the covers of major magazines are contrary economic indicators, this cover should lead one to believe that the present improvements in the housing market will be short lived."
The so-called "present improvements in the housing market" are illusory. Most housing stock is not being snapped up by individual home buyers but by speculators buying up cheap, unsold housing stock hoping to flip them for profit when prices rise.
Freder said: The banks loaned the money foolishly...
You forgot to apologize to DBQ about blatently lying about what she had said about who was getting these loans.
There's a word for people who hear "poor" and think "colored". It's "racist."
You should be ashamed, you lying racist.
@Freder,
were the meltdowns in Europe due to European investors buying American Mortgage-Backed-Securities?
It is rather hard for an MBS to hold its value when the stream of money from mortgage-holders dries up.
It is hard for the mortgage-holders to pay when they can't float the money for a balloon payment or resell at 20% profit.
It is hard for the mortgage-holders to sell when everyone is selling and few are buying.
It is hard for banks to distinguish between good buyers and buy-for-the-flip when no down-payment is required.
Mortgage originators don't really care if they can sell the mortgage, and won't be harmed if they originate a loan to someone who stops paying after a year or two.
Banks can be pressured to create low-down-payment, no-doc mortgages by regulators. Once such mortgages exist, buyers who don't need them may ask for them, because they are easier to get up-front.
It's a royal cluster-fuck, enabled by the separation of mortgage performance from the future income steam of the mortgage-originator. Also enabled by Federal regulators pushing for broader homeownership among the lower classes.
Because home-ownership is correlated with middle-class status. (But they forgot that correlation doesn't imply causation.)
We don't need racism to explain the housing mess.
However, we may need racism to explain the existence of the magazine cover. I'd blame the guy who created it, but he's apparently Hispanic.
Mr Cook--thanks for the informative link.
As long as none of them buy large sodas I think everything will be alright.
I'm willing to concede that the CRA program, the GSEs, and other generally bad government policies didn't necessarily directly cause the financial crisis, but they probably made it several times worse than would've otherwise been, like adding potent accelerants to a small fire and turning it into a blazing inferno. Bad loans were made. There was pressure from the government to make certain bad loans. There was the assumed sense of security provided by government backed institutions (Fannie & Freddie). Big government's hands are all over the financial crisis of 2008. And yes, it wasn't all Democrats making these bad decisions.
Lyssa, don't feed the troll.
"The person who does not repay his loan as agreed or who does not intend to pay is a crook. The banks who loan to those who are less than qualified are nonetheless expecting to be repaid. So, the person who does not honor their CONTRACT is at fault."
No...the banks didn't give a shit about being repaid. They chopped up the mortgages and resold them to other investors as asset backed securities. The debt was thus removed from the banks' books and what happened after that was not their problem.
In search of quick profit, the banks happily made home loans to unqualified lenders because they were confident they would never be left holding the bag when any of the mortgages went bad.
Most mortgage fraud is committed by lenders, not home buyers.
And if it had been a white family in the same poses?
Or men caricatured as pigs?
No problem.
That said, the cover is a blunder, eh?
Diversity is Our Greatest Strength!
Keep repeating that!
Diversity is Our Greatest Strength!
Hallelujah!
Diversity is Our Greatest Strength!
Hallelujah!
We are saved!
The illustration makes sense if you use your mind to change the dollars into marijuana leaves.
Minorities are poorer than whites.
Minorities have a harder time getting loans than whites.
Increasing the opportunities for minorities to take on 30-year mortgages will increase their debt load.
This WON'T lead to minorities defaulting more than whites.
You forgot to apologize to DBQ about blatently lying about what she had said about who was getting these loans.
I didn't forget at all. DBQ may be less blatantly racist than the likes of Cedarford, but she ain't fooling me.
A perfect example that the media can never really tell the cold, hard facts. Everything has to be glossed or hidden.
@vbspurs: It's always a pleasure to see you back here! :)
The person who takes a loan he is not qualified for is a THIEF, Freder! But of course in your horribly twisted and sick world it isn't thievery because the money offered was stolen in the first place and on and on and on in your endless rationalization of THIEVERY.
I didn't forget at all. DBQ may be less blatantly racist than the likes of Cedarford, but she ain't fooling me.
This shit just makes me laugh my ass off.
Freder, you dumb fucking son-of-a-bitch...
I am speechless.
Cookie, it wasn't just lucrative for the banks, Jamie Gorelick springs to mind.
A few years ago, Money Mag put white couple on the front cover whining they didn't know what they were signing.
Dumbshits deserved what they got.
They obviously didn't talk to family, friends or coworkers.
They thought they had a 1.75% or somewhere around there mortgage for 30 years?
Really? When was the last time rates were that low?
"...but she ain't fooling me."
Yeah, 'cause you're sharp as a tack.
>> Freder Frederson said...
2/28/13, 4:03 PM
I bet you were the one that bought the nose hair clippers. Right?
There are always a few posters who have the remarkable knack for giving assholes a bad name. Its a gift, I suppose.
Nanopod said . . ."I'm willing to concede that the CRA program, the GSEs, and other generally bad government policies didn't necessarily directly cause the financial crisis . . ."
Ah, but they did. Corporate balance sheets and non housing related personal wealth were incredibly healthy in late '07.
This one was all housing. It was the spark, tinder and kindling. It took the rest down with it. Real estate is that big!
Re: Mitchell the Bat:
What's offensive is the idea that a black guy would ever wear a monocle.
Au contraire, mein Herr! Apologise to Christopher Eubank! Apologise right now!
Freder, would you rather be dead than racist?
CNN - December 2012:
Government housing agencies Fannie Mae and Freddie Mac are in the spotlight once again for fat paychecks.
A report released Monday by a government watchdog reveals the top 90 employees, excluding the CEOs, received an impressive $92 million in pay last year at Fannie and Freddie -- companies that are propped by taxpayer money.
Top employees' pay remained at stratospheric levels even though overall compensation declined after bonuses were eliminated last year, according to the Inspector General of the Federal Housing Finance Agency, which supervises and regulates Fannie and Freddie.
The median paycheck of the top 23 executives at Fannie and Freddie totaled $1.72 million in 2011, a 9% decline from the previous year. The next 62 executives took home $723,000, a decline of 5%. Even high-ranked federal government employees don't make close to these numbers, which are more comparable to top salaries in the private sector....
MTB wrote:
The illustration makes sense if you use your mind to change the dollars into marijuana leaves.
Jacques Derrida would be proud, my friend. And if he's not, due to being dead, I am. Excellent deconstruction.
(My waves to Roger and Chickelit, since my previous standalone post was deleted)
Hello. My name is Chip Ahoy and I am a self-employed sports-related injury therapist. For recently pulled calf muscles resulting from basketball jumps by white people, the current consensus among us sports-related therapist-types is to return to controlled mild jumping activity immediately. Where access to equipment is problematic we suggest using implements readily available, for instance stretching a garden hose across the neighbor's trampoline when they're not home, or by contriving an Inuit teeter-totter controlled jumping exercise device.
bagoh20 said. . .The buyer is the dumber one. The agreement gives them no recourse.
Absolute first rule of credit is that it takes two to make a bad loan. It's called recourse for a reason.
Minorities WERE hardest hit when the last housing bubble burst, right? Which kind of implies that pushing mortgages on them ain't such a great idea. What am I missing here?
What am I missing here?
You're a racist! That's what!
No doc loans, anyone?
RE: Robert Cook:
No...the banks didn't give a shit about being repaid. They chopped up the mortgages and resold them to other investors as asset backed securities. The debt was thus removed from the banks' books and what happened after that was not their problem.
Yes, that's why the banks didn't hold any MBS . . . OH WAIT!! No, they totally held onto huge amounts of MBS and had to take billions of dollars of writedowns as a result. Do you have any idea what you're talking about here?
Banks who were mortgage originators may also have exposure under mortgage putback provisions for the MBS (for violations of reps and warranties or failure to due diligence with respect to mortgages that ended up in the pool, etc.), although to date, I think they've met with some success in resisting those actions.
If there are crooks here besides borrowers who lied on their mortgage applications, it's the mortgage brokers.
Also that is an unbelievably tone-deaf cover. At first glance it looked like a knock off of a Robert Crumb grow-house comic.
(My waves to Roger and Chickelit, since my previous standalone post was deleted)
By whom??? (I missed seeing it)
@vbspurs: Are you sure it didn't get spam trapped?
. The vast majority of Americans don't know that because the Dems and the liberal media were successful in blaming George Bush who had tried to reform some of the excesses of Fanny Mae and Freddy Mac though the Dems were able to prevent it...
========================
That you can point to the seeds of the crisis hoing back to actions under Clinton (to say nothing about LBJ or Reagan's voodoo economics)..does not exonorate poor hapless, bumbling Dubya.
While the crisis mounted and mounted, Bush was off getting tax cuts for the rich the country couldn't afford, jacking up Fed spending at a faster rate than any President save LBJ and FDR in WWII.
He was distainful of most economic matters, preferring to play American Churchill in two disastrous wars of neocon adventure and nation-building.
He then added the biggest entitlement since LBJ for seniors and Big Pharma - the free "full price" prescription drug entitlement that added tens of trillions to future debt.
And when not talking about Fannie and Freddie as a break from his drivel about the Heroes who save us from the Evildoers...He was 180 out the other way promoting his "Ownership Society" where every American and illegal would own their own home (those illegals here "doing the jobs Americans wouldn't do" after the rich cut wages low enough only an illegal would take the job)
Why the apology for the cover? That's exactly what happened and you can thank cock-suckers like Barney Frank, Dodd, Waters for continuing to foist the scam on the rest of us that had nothing to do with it. All because of the butthurt from the Community Reinvestment Act against the practice of redlining, which actually worked.
It wouldn't occur to me to be offended.
It's okay when David Levine does it.
The racism hysteria has really morphed into something way beyond madness... more like a mass societal delusion, isn't it?
I guess I'm going to have to read this.
Was it really true that, when Stalin spoke at Communist Party rallies, the first person to stop clapping when the audience was giving the Dear Leader a standing ovation was taken outside and shot?
Freder would definitely continue clapping until his hands bled.
Re: Shouting Thomas:
Freder would definitely continue clapping until his hands bled.
Well if the alternative were that I be shot, I would too . . .
Good point, Balgefor.
I downloaded Extraordinary Popular Delusions and the Madness of the Crowds.
Here's an interesting sentence from the introduction:
We find that whole communities suddenly fix their minds upon one object, and go mad in its pursuit; that millions of people become simultaneously impressed with one delusion, and run after it, till their attention is caught by some new folly more captivating than the first.
Andres Guzman (wasn't there a poster here who linked to his "Pistachio" blog? Now THAT, I think, did get spam-trapped), the Peruvian illustrator, issued a clarification saying that he pictured people "he grew up around".
Which is interesting, since having lived in Peru myself, I can tell you I could count on one hand the number of black people I have met there. Blacks are only visible in Peru in sports, and in the coasts.
Given that Mr Guzman hardly grew up near Georgia trailer parks, I think we can discount my theory of white inclusion, ALTHOUGH I notice a hint of blue-eyes present.
That cover is about the most incendiary thing I've seen in a long time.
Racism mania as the cause for all that is evil has become a national delusion that is similar to witchcraft hysterias.
I think the cover is offensive, and I am a Tea Partier.
You forgot to apologize to DBQ about blatently lying about what she had said about who was getting these loans.
I didn't forget at all. DBQ may be less blatantly racist than the likes of Cedarford, but she ain't fooling me.
You have no idea how you just exposed yourself, do you?
For years and years, if you asked a lender why you could qualify for a larger loan if you took out an ARM instead of a fixed-rate loan, they'd just stare at you as if you were stupid.
Because, after all, you could take out a larger loan because the (initial) payments would be lower.
When financial professionals make basic mistakes of judgement like this, who can assume that they have any judgement at all?
Oh, and as for the cover- Diversity is Good!
Except when it's not, of course. As in this case.
That cover is about the most incendiary thing I've seen in a long time.
And, it's about time!
God you are despicable Robert Cook.
Fuck you and you whore of a mother for your smeer on DBQ. I hope that someday you get to be in the middle of one of those communist takeovers you long for so badly, and you are the first one put up against the wall and shot.
Asshole.
The magazine is using a soap opera strategery to call attention to what it sees as a regretful repeat of a big problem in the housing market... and the the fact that we are talking about it shows the strategery works every time its tried...
From Lanza to Woodward.
Racism has a comfortable home among the Democrats.
I wanted to use Zimmerman in that comment... but you see my dilemma... when the cliché called for a chain of letters A to Z... Zimm (bless his hart) is fading from memory. While Woodwad Lanza are still fresh.
I suppose I could have used PistoriUs... but thats not even close to A.
So I guess the cartoon would've been OK if it had featured a bunch of white guys? Do cartoonists need to follow the example of TV commercials, where black characters are always intelligent and dignified, and anyone who's goofy, annoying or pathetic needs to be played by a white guy?
DBQ, don't worry no one takes him or any of the other progressive racists at their word. That comment reeked very strongly of projection.
vbspurs is in the house?!
Things are looking up.
That cover is about the most incendiary thing I've seen in a long time.
I'll let others judge for themselves... but the connection you draw between Minorities and Arson is very troubling.
Where is Bitch Tit Mahal to round out the lunatic left fringe around here. We need a good dose of lies, idiocy, and rank madness to be sprinkled on top of what Freder and Cook have already made up. To call them simpletons at this point would be redundancy.
Vicki is back?
Best news of the day.
@Lem,
I'll let others judge for themselves... but the connection you draw between Minorities and Arson is very troubling.
No, no, no! Everybody knows arson is properly called Jewish Lighning.
Gotta keep these ethnic smears straight, buddy!
@vbspurs: Are you sure it didn't get spam trapped?
That injustice is about the most incendiary thing I've seen in a long time.
I'll bet Bberg/Bweek's editorial board wishes they could travel back in time and decide NOT to use that cover!
Fannie Mae started buying subprime loans in 1997. This was just one of a series of federal policies that encouraged the mortgage industry to pay less and less attention to credit risk. At the end credit underwriting basically was not done at all.
There was a feeding swarm in the mortgage business. Some banks were leaders in the race to the bottom but most mortgage origination was not done by banks. The mistake of the banks in significant part was to invest depositor assets in shaky mortgage backed securities. There was an element of greed here but mostly it was herd following stupidity.
Blaming banks, as Freder does, is uselessly simplistic. There are many culprits. Most, except for the United States Congress, have been punished in one way or another.
God you are despicable Robert Cook.
Fuck you and you whore of a mother for your smeer on DBQ. I hope that someday you get to be in the middle of one of those communist takeovers you long for so badly, and you are the first one put up against the wall and shot.
Asshole.
LMBAOPMP!!!!!!!!!!!
PresidentMomJeans doing the Exorcist thing: "Fuck you and your whore mother, Damien!"
Lem said...
@vbspurs: Are you sure it didn't get spam trapped?
That injustice is about the most incendiary thing I've seen in a long time.
Why so Lem? It's not like I said it with a Boston Southie accent. ;)
It occurs to me on further reflection that just the use of the word "rebound" on a cover with black people is ground for apology.
Is there no limit to the stereotypes?
I think the cover is offensive, and I am a Tea Partier.
Maybe you'll find some liberals who are willing to concede some truths about their side to you. Maybe you and some others will actually have some influence over other people.
@Lem: "Spam traps" just shunt some posts with links into a holding tank. ;)
Say that with a Boston accent :0
Maybe you'll find some liberals who are willing to concede some truths about their side to you. Maybe you and some others will actually have some influence over other people.
Goofy shit, phx. Both of you.
What's new?
chickelit, it seems to me that "spam traps" may be the phrase w/ less regional variation of pronunciation than just about any other.
I don't see how people in Boylston would say it any differently from somebody in Boyle Heights.
OK, OK, in Boyle Heights they'd say las trampas del spam. But other than that....
Sailer covers the kerfluffle and notes that the horrifying cartoon bears quite a striking resemblance to official cartoons intended to puff up minority borrowing and subprime loans.
This shit is just too funny. Whenever phx gets all serious and pious, you know that you've entered the most hilarious chamber of the theater of the absurd.
Most, except for the United States Congress, have been punished in one way or another.
Don't forget Franklin Raines, Jim Johnson, Jamie Gorelick, Rahm Emmanuel and other DC trough-feeders on the boards of Fannie and Freddie who cashed their big directors' bonus checks before the roof fell in.
I'm normally not a fan,of show trials.but in their cases I'd make an exception.
Goofy shit, phx. Both of you.
Aaah. My theory is you just see things in stark black and white ST. Probably all the time.
But who knows what lurks in the hearts of strange internet people?
Geez Chip, I'm getting out of my league really fast here on Boston accents--would help if I explained that I meant another word which might be pronounced like "spahm"?
Aaah. My theory is you just see things in stark black and white ST. Probably all the time.
Certainly, anybody who doesn't get caught up in the racism is witchcraft hysteria is just seeing things in "black and white."
You couldn't have come up with a more hysterical metaphor, phx. Congratulations.
My sin is precisely that I'm not caving into the "black and white" world of the racism is witchcraft hysteria.
You're a silly fool.
WTFH does LMBAOPMP stand for?
Let's all be insistently pedantic!
The question I care about is "are we really seeing the beginnings of a new housing bubble".
"Is this cover racist" is a dipshit thing to worry about. If the cover offends you, don't buy it; problem solved!
BREAKING:
From Andres Guzman's Tumblr, comes some insight...Lucienne is called Boo!
Did a cover for Businessweek about the current housing market boom. I was asked to make an excited family with large quantities of money.
I slipped in my lovely cat, Boo which was my favorite part. Too bad I wasn’t asked to draw large quantities of cats.
Drawing dollars was a drag.
If he thinks drawing dollars is a drag, just imagine owning them. #catskills
(HI LEM! HI CHIP! HI ALL!)
So, quite the contrary to what we THINK is going on, these four characters inside a house are a family. Presumably, then, that's a black dad (barefoot, cats don't fetch slippers) who married a white-ish Hispanic lady, their very Hot Mami daughter, and Junior, who came out like dad.
VIVA CONTEXT!
No...the banks didn't give a shit about being repaid. They chopped up the mortgages and resold them to other investors as asset backed securities.
That should be "lenders", not "banks". The chief offenders (e.g., Fannie Mae) weren't banks.
Banks themselves had (and have) significant investments in mortgage-backed securities.
To all you who thought this cover was racist, only to find out it's drawn by a "Latino", who as we all know, being a minority couldn't possibly be racist, being the sole prerogative or Whiteys, it's okay, again.
Mr Guzman is part of the Pale Race.
Under/over on his firing?
This comment on Sailer's blog captures the mind boggling absurdity of this kerfluffle:
It's one thing for the WH to have an initiative to put more ethnic minorities into SFRs, but to acknowledged that it actually worked would be racist.
My sin is precisely that I'm not caving into the "black and white" world of the racism is witchcraft hysteria.
Yeah, I'm not neither.
Hello. My name is Andres Guzman. I have spent most of my youth in Denver, Colorado but am originally from Lima, Peru. I graduated from the Minneapolis College of Art + Design where I majored in illustration and took much interest in graphic design.
So, not a Peruvian-Peruvian.
So is the outrage about the artwork or the inflammatory words which Mr Yglesias offered?
Is the portrayal of a minority family awash in cash any more or less offensive than Disney's portrayal of the pedagogue Ichabod Crane in his animated short Adventures of Ichabod and Mr. Toad* (narrated by Mr. White Christmas)? I'm linking here to the similar caricature--back up the video for context.
Perhaps Guzman is just saying that no one is immune to "sugared thoughts and hopeful suppositions."
________________
*One of Disney's most underrated short animations.
Is the outrage about the artwork or the inflammatory words which Mr Yglesias offered?
Is the portrayal of a minority family awash in cash any more offensive than Disney's portrayal of the pedagogue Ichabod Crane in his animated short Adventures of Ichabod and Mr. Toad* (narrated by Mr. White Christmas)? I'm linking here to the similar caricature...back it up for context.
Perhaps Guzman is just saying no one is immune to "sugared thoughts and hopeful suppositions."
________________
*One of Disney's most underrated short animations.
VB's a bit racist, too:
vbspurs said...
That name, Tricia Willoughby, has such a wonderful, old-fashioned All-American ring to it. In an America led by one Barack Hussein Obama II, it's nice to be reminded such people still exist.
4/18/11, 12:41 PM
IOW, there is no racism - least of all among conservatives, but we need to be reminded that Anglo-Saxon names exist in an America suddenly run by a guy with an African name. Not that we have a problem with that, or anything. Nor do we resent it. But it's wonderful and all-American to be Anglo-Saxon. Not that being African isn't wonderful or all-American. But being Anglo-Saxon certainly is.
Yeah, we see what you're getting at, Vb. Even nice little girls can have immature little ideas and anti-social predilections.
Ritmo: you should reread George Orwell's "Politics and the English Language"
Some of us love Anglo-Saxon names
Besides--it was perfectly reasonable that Americans should balk at electing a guy named "Hussein" after fighting a hot war against one twice. Once with full UN blessings.
It would be like Americans electing some Anglo-Saxon guy named "Adolf" or something.
Sticks and stones, brother.
Peace
Why the 8:06 post, Chickie?
Doesn't your earlier, 8:04 post summarize your feelings on how you have a special place in your heart not just for Anglo-Saxon names, my Teutonic friend, but for those names specifically in government - given Spursies' contrast of the president's name to some vocal Anglo-Saxon girl's name?
At some point, you're going to have to get over your special affectations for certain ethnicities over others.
I like Shakespeare. I like Chaucer. I like Tolkien. I think I even like Rumpole of the Bailey and British political history from ~ 1500 - 1850.
But they are a very stuffy people. Too bad we inherited that from them and not their willingness to learn and overcome the limits of an arrogant and sometimes ethnocentric imperialism.
Americans should stop refusing to do this. The ones who will decide the future already are. But so should the rest of the country.
It's an issue of simple maturity.
The exploitation of emotional appeals, threats of legal and physical violence, and a selective interpretation of reality, provided cover for a general devaluation of capital and labor through redistributive change schemes.
Dissociation of risk is the principal sponsor of corruption.
Oh, and Wind of the Willows wasn't bad, either.
And Dickens.
Ritmo warns: At some point, you're going to have to get over your special affectations for certain ethnicities over others.
And some day, you'll need to get over your knee-jerk defense of President Obama. It may sound paradoxical, but people would be less critical (including the press) if being critical were allowed and accepted. Clint Eastwood showed us that.
And BTW, I'd love to play the little game of dragging out and linking what we've each said here in the past. But not tonight--I have a headache--but some other time. :)
PS: What I sense in you Ritmo is an inability to countenance Middle America in general. It sounds very foreign and very familiar to me.
"At some point, you're going to have to get over your special affectations for certain ethnicities over others."
And some day, you'll need to get over your knee-jerk defense of President Obama.
What does one thing have to do with the other? How does my point call for a tit-for-tat? Do you really think that racism is the proper response to what you consider to be lack of criticism of Obama?
And then, you don't have knee-jerk defenses of your own? What of the way you place the Kochs and their political interests off-limits to criticism?
Clint Eastwood is more than a little senile and his stunt didn't even go over that well for the intended crowd? A monologue with an invisible caricature of the president? How is this new, exactly? Your side always invents the Obama that they'd prefer to campaign against, instead of actually taking into account and context what he actually says and does. Maybe because the latter is so much harder. It's probably why the connies hate him so much.
And lastly, you've gotta love this:
And BTW, I'd love to play the little game of dragging out and linking what we've each said here in the past. But not tonight--I have a headache--but some other time. :)
It's not a game, Brunhilda. It's called "evidence". Some of consider our actual words and thoughts important, some consider it a game to see how we can "use" them. Since I think ideas and facts are more important than politics, I use the latter to achieve the former, when it makes sense to. I don't do it the other way around. Games are for kids, and I happen to think principles and public service are more important than that. But maybe you don't.
Perhaps that's why you always threaten to do this, promising that you'll dredge up some long-lost quote to prove this or that about me, and you never do.
Perhaps that is because your imagination of what I say and think and have said and thought is more important to you than what I really do say and think.
Ritmo declares Shakespeare stuffy. And Chaucer.
Silly cheaply educated boy.
PS: What I sense in you Ritmo is an inability to countenance Middle America in general. It sounds very foreign and very familiar to me.
What I sense in you Chickie is an inability to countenance a world and an entire country. You replace it with an imagined homogeneity, and the imagined ideal that such homogeneity never represented in this country.
It sounds very foreign and very familiar to me.
I hesitate to do this, but idealizing homogeneity had its place, in the 1930s. Ein volk, ein reich, ein fuehrer! comes to mind.
Don't succumb to the idealization of homogeneity. Perhaps it gives the illusion of comfort to those who feel flustered with life, bombarded by their senses and overwhelmed with a compensatory need to create arbitrarily uniform rules, cultures and ideas about life in their place. But humanity requires us to look beyond that.
Ritmo declares Shakespeare stuffy. And Chaucer.
Silly cheaply educated boy.
That's not what I said, you illiterate slaver.
"That's not what I said, you illiterate slaver."
But it is you dumb motherfucker. You stupid little pompous twit, read the gas you type. You racist turd.
Where did I say that my like of the aforementioned authors was overwhelmed by the stuffiness of ordinary Britons, you dumb D-list, B-school slaver bitch?
" I like Shakespeare. I like Chaucer. I like Tolkien. I think I even like Rumpole of the Bailey and British political history from ~ 1500 - 1850.
But they are a very stuffy people. "
Ritmo, you are way over your head. And an asshole.
Ritmo. No B school for me, dude. Masters. English. Very good schools all the way.
There's an indefinite article in there: "a".
But they are "a" very stuffy people.
Renown British authors are A very stuffy people?
Anyone literate can see that "a people" means, in this context, the British people - NOT their authors.
You are one dumb, B-school bitch, Slaver.
I am not one of your slaves and you cannot beat your stupid, misguided, poorly read beliefs into me. You must reason them coherently and construct them accurately, first. You cannot lie and say that I wrote something other than what I wrote. And you can't pretend that phrases such as "a people" refer specifically and only to the authors among that people.
What kind of dimwitted douchebag would believe otherwise?
Oh, that's right. Someone who does not discuss anything in good faith but instead believes that he is the master of others.
Fuck off, slaver. Learn to read. Master of white privilege that you are, you come from a long-line of people who have no excuse for not reading -- other than your unsophisticated love of ignorance. Which I will not dignify, tolerate or respect.
Your love of ignorance seems to be going unrequited, Michael. Perhaps your lineage is more hillbilly than Southern "nobility". But confusing between those categories is par for the course in an ardent enough racist.
I'm almost through with you here. Have you had enough yet, or do you prefer to be beaten more bloodily, Slaver?
Oh great.
An English degree and he thinks that "a people" refers to a nations authors.
What a douche.
Come down off your throne
And leave your body alone
Somebody must change
You are the reason I've been waiting so long
Somebody holds the key
Well I'm near the end and I just ain't got the time
And I'm wasted
And I can't find my way home
Can't Find My Way Home
Forty days and forty nights
Since my baby left this town
Sunshinin' all day long
But the rain keep comin' down
She's my life I need her so
Why she left I just don't know
Forty days and forty nights
Since I set right down and cried
Keep rainin' all the time
But the river is runnin' dry
Lord help me it just ain't right
I love that girl with all-a my might
Forty days and forty nights
Since my baby broke my heart
Searchin' for her in a while
Like a blind man in the dark
Love can make a poor man rich
Or break his heart I don't know which
Forty Days and Forty Nights
Upthread, Ritty (yes I know about diminutive endings too) accused Victoria of racism where none existed:
O Ritmo Segundo said...
VB's a bit racist, too:
Hmm, four years ago, a commenter named Darcy made the following comment in thread about torture. I'd link it directly but I'm afraid that Google will eat my comment:
Darcy said...
I think he's a wienie, Henry. I think I'd respect him for saying that he is against torture - of course he is - he was tortured himself. That's understandable. But he goes further and suggests that we have hurt ourselves by the methods we've used. I think that is his usual pandering to the left.
I don't buy that we've hurt ourselves. I don't believe there is much we could do against this enemy to hurt ourselves beyond appearing weak and retreating. These monsters saw the heads off of people while still alive, kicking and screaming.
8/30/09, 9:14 PM
Darcy added to her comment:
Darcy said...
And I'm not calling what was done by the CIA torture, either.
The sawing off of heads is torture, for sure. I think we can all agree on that.
8/30/09, 9:17 PM
Ritty (posting as Montana Urban Legend) inexplicably singled out Darcy and viciously accused her of racism:
montana urban legend said...
I don't buy that we've hurt ourselves. I don't believe there is much we could do against this enemy to hurt ourselves beyond appearing weak and retreating. These monsters saw the heads off of people while still alive, kicking and screaming.
Spoken like someone who truly lacks the ability to distinguish between al Qaeda and just your average brown-complected person in the area whose allegiances are fluid and undefined. But hey! At least you know what the enemy looks like. Which is nice.
Ya see, because al Qaeda lacks respect for American ideals, so must every Arab and Muslim. Yes, I think I get the picture now.
The wing-nuts are cracking. Keep tightening the screw though. Keep tightening. Bolt it on till the threads are stripped.
8/31/09, 7:40 AM
Several commenters pointed out the irrationality of MUL's accusations.
My conclusion is that Ritty is somehow hopelessly obsessed with race and likes to single out female commenters for his or her projections.
The full comments I just quoted may be found here
My conclusion is that Ritty is somehow hopelessly obsessed with race and likes to single out female commenters for his or her projections.
Whatever, dude. That was nearly 4 years ago. People learn. And this "obsession" you project is hardly racism. MLK thought often about race - not a racist. And Rush Limbaugh's pretty obsessed with race... remember the dunderheaded Donovan McNabb comments? Althouse thinks that doesn't make him a racist. Does your interest in chemistry make you a demolitions fanatic? Get a grip man.
And get to sleep, already. Give it up with this silly race to prove something about me that you can't. Only in right-wing Bizarro land does an assertion or observation of potentially racist attitudes make one a racist. It's like calling a food inspector a poisoner for citing an establishment that allows its perishables to go rancid. Just utterly idiotic, Dear.
Now go to bed.
Whatever, dude. That was nearly 4 years ago.
Well, the comment of Victoria's you honked about was nearly 2 years ago.
She makes her first appearance here in a few blue moons and you immediately start flinging two-year-old poo at her.
How about just letting go of it?
Now go to bed.
And there's that overweening condescension again! As if I'm your child or your inferior in any way.
I wished I'd got to call it out back then, when I read it, Chip. I remembered that thread and just couldn't believe no one said anything. It was like, she was proving all the worst things that anyone could say about the Tea Party - and no one said anything! I was almost too shocked to even chime in. It was so casual.
And Chick's quotes of me are not racist. He's playing the idiotically lazy "you're a racist if you call out what might be racism" card. It's a joke and it doesn't work, though connies like to think it's a sort of pre-emptive forceshield that absolves them of everyything objectionable they could say. It's stupid. It's a socialized tactic of "I know you are but what am I?" Tu quoque. How much more juvenile does it get?
Chickie - it's easier to not read condescension into my remarks when you don't act in a childish way.
Peace out.
Awright Chip. You win. Letting... go... I got that comment off my chest. Redemption for whomever wants it.
But I wasn't wrong to perceive that something was amiss in that comment, was I? I mean, sure I'll let it go. It's just one tiny particle - as dismaying as it was to read back then. But how would you have responded to the intimation that what we most needed, barely ten comments into a thread about a young dissident to blackmuslimsocialist, was more Anglo-Saxon names like hers, and how refreshing that fact about her was?
Ok, you can see where I'm going. I don't want to get overheated and am fine with letting swett, lil ole' innocent Vick's equally nasty lil comment slide. But was I wrong to have the impression of it that I did, then?
I guess that this is what happens when something gets bottled up like that for so long.
;-)
Night.
A few kind words about bubbles: for the past several hundred years the pulmonary functions of capitalism have involved booms and busts. That seems to be the way it works. If you buy your tulips early and sell them before the bloom boom busts, you come out ahead and can wax philosophic about investment trends. If you buy your tulips late in the season and lose everything, you tend to be a bit more harsh in your views of capitalism and tulip futures.....I know some people who made money in real estate, and others who lost. The dominant fact was not race or intelligence but timing. If you're an old boomer and bought your house in the eighties or nineties, you probably came out ahead. If you came late to the party, tant pis for you. That's the way it goes.....You can structure the real estate market so that there are no losers, but, of course, then it wouldn't be a market. It would look something like a housing project.
I think Victoria is an engaging writer who adds a lot to the comments section. It's good to see her back in town, and I hope she sticks around for a while.
I can see why it bothered you. But I don't think Victoria is anything like that. I'd read it as more of a reference to the now-frayed "special relationship" b/w her native land and her new homeland.
O Ritmo Segundo said...
I wished I'd got to call it out back then, when I read it, Chip. I remembered that thread and just couldn't believe no one said anything.
I just read that thread, and, actually, edutcher said something about the comment:
“There was a time a name like Althouse (or Burke or Christie) would have sounded alien.
We've come a long way, baby. Mostly for the good.”
Victoria shows up in a thread and Chickelit becomes a rooster!
Inga shows up in yet another thread and she's still an old crow!
[bada-bing]
Well, thank you Chip that's very nice of you and quite mature. I'm sure Victoria thinks more highly of you now.
So Chipster, are you and Chickelit going to arm wrestle or something to get the attention of the fair maiden Victoria? It's comical watching you two fall all over yourselves over Vicki :)
Jeez, Inga, do I have to start using winky emoticons?
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