tag:blogger.com,1999:blog-9430835.post6540960383706013038..comments2024-03-28T16:22:14.888-07:00Comments on Steve Sailer: iSteve: Cue Dr. Evil: "175 Mmmmmmillion Dollars!"Unknownnoreply@blogger.comBlogger56125tag:blogger.com,1999:blog-9430835.post-43360566411381370152012-07-16T04:32:12.285-07:002012-07-16T04:32:12.285-07:00Black and Hispanic brokers preyed upon their ethni...Black and Hispanic brokers preyed upon their ethnic cohort in Boston. The minority home buyers counted on the Madoffian idea that their bros wouldn't screw them.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-9430835.post-85890749335296236002012-07-15T20:54:50.749-07:002012-07-15T20:54:50.749-07:00Oh yeah, "Cleavers". The pants with the ...Oh yeah, "Cleavers". The pants with the penis pouch. They're worth a fortune now in Japan. <br /><br /> The irony is outstanding....Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-9430835.post-77931013561608227332012-07-15T11:15:43.453-07:002012-07-15T11:15:43.453-07:00"Speaking of Austin Powers...
http://www.buz..."Speaking of Austin Powers...<br /><br />http://www.buzzfeed.com/blackdynamite/25-outrageous-fashion-ads-from-the-1970s-5e97<br />"<br /><br />Interesting- did you see the Eldridge Cleaver fashion image in the comments section? <br /><br />Kind of takes bling in a different direction, though its perfectly symbolic of most of these guys. Trying to be the biggest guy in the room and putting it in everyone else's face is probably the #1 reason so many black guys end up going the Trayvon route.Dmitrinoreply@blogger.comtag:blogger.com,1999:blog-9430835.post-65795486528653753542012-07-14T19:38:19.937-07:002012-07-14T19:38:19.937-07:00Speaking of Austin Powers...
http://www.buzzfeed....Speaking of Austin Powers...<br /><br />http://www.buzzfeed.com/blackdynamite/25-outrageous-fashion-ads-from-the-1970s-5e97Velannoreply@blogger.comtag:blogger.com,1999:blog-9430835.post-78725420388371544442012-07-14T19:37:45.658-07:002012-07-14T19:37:45.658-07:00"The three presidents that grew the US Govern..."The three presidents that grew the US Government the largest were Bush II, Bush I and Regan."<br /><br />ReAgan did grow gov't (something he lamented as a necessary evil 'til the end of his days) but in all fairness, even counting your 3 above, Obama is turning out to be the one most like Paris Hilton with daddy's credit card.Sewardnoreply@blogger.comtag:blogger.com,1999:blog-9430835.post-24150348283575679882012-07-14T16:02:41.949-07:002012-07-14T16:02:41.949-07:00"The next question for you Truth is why black..."The next question for you Truth is why blacks vote en masse for a political party that also welcomes Mess-Kin's in such numbers..."<br /><br />Which president was it that amnesteyed the Mess-Kins to begin with, again?<br /><br />Oh yeah, that's right, it was your idol, Dutch! What a shock.<br /><br />I've said it before, and I will say it again; it has nothing to do with which actor is pretending to be US president, and which animal pin he wears on his lapel.<br /><br />The three presidents that grew the US Government the largest were Bush II, Bush I and Regan. There is no substantial difference between one wall street shill, Israeli lapdog and the other, the game is to create dissention between Americans in similar situations, and divert their monies to the already monied class through a continuing line of new consumers and cheap labor. It isn't complicated.Truthhttps://www.blogger.com/profile/17286755693955361308noreply@blogger.comtag:blogger.com,1999:blog-9430835.post-88501738771609606982012-07-14T15:50:32.691-07:002012-07-14T15:50:32.691-07:00"But that would be racist redlining to take t..."But that would be racist redlining to take that into account.."<br /><br />It was taken into account, the same house in Malibu would have been $640,000, but a rising tide lifts all boats.Truthhttps://www.blogger.com/profile/17286755693955361308noreply@blogger.comtag:blogger.com,1999:blog-9430835.post-56070508926325892392012-07-14T10:50:49.515-07:002012-07-14T10:50:49.515-07:00"Of course, we're talking about things li...<i>"Of course, we're talking about things like not spending your baby mama's rent money on shiny, spinning rims for the whip, but I doubt many on the left side of the bell curve will ever figure out that bit of rocket science."</i><br /><br />As far as I could tell when I lived where such financial decisions were common, they've got it figured out, they just don't care. <br /><br />Here's how they reason: if the rent money came from the government, there's more where that came from. It's the government's job to help them out and it's their right to expect the government to do so. And if, heaven forbid, they actually had to work to earn the money, then it's their money and they have the right to spend it as they please. They should have something besides a rent receipt to show for all their hard work.<br /><br />Personal responsibility is seldom, if ever, a factor in the equation.Kylienoreply@blogger.comtag:blogger.com,1999:blog-9430835.post-47178588737426108122012-07-14T10:39:11.938-07:002012-07-14T10:39:11.938-07:00In Catholic literature, Malthus has far fewer supp...In Catholic literature, Malthus has far fewer supporters than Darwin. Thanks to Wikipedia, I did a little reading up. First of all, his portrait presents a very kind and pleasant looking expression, much gentler than Darwin. Secondly his views on GOVERNMENT charity are very consistent with today's conservative views - found money encourages poor reproductive and spending behavior.<br /><br />I attended twelve years of Catholic schools and we students were inculcated with Malthusian views by rules and example. Catholic clergy in my time consisted of celibates who chose education and service over reproduction. A wise move for most of them, as none were very good looking and they generally seemed content with having a community of fellow travelers. And by the way, most were very good teachers who were up to any challenge - our high school would take students expelled from regular public high schools. They were incredibly successful in creating an atmosphere discouraging reckless sexual behavior. Being fruitful and multiplying was not encouraged for teenagers, that was a decision to be made in the next stage of life.<br />Like all good Catholics, Malthus, though Protestant, did not believe in a heaven-on-earth Utopia. He advised restraint instead of birth control and abortion. He believed in private charity to alleviate dire need. He believed in God. I can't for the life of me understand why he has become a pariah in Catholic circles.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-9430835.post-28987902126731581732012-07-14T08:42:41.900-07:002012-07-14T08:42:41.900-07:00"how much can you afford on a monthly basis d..."how much can you afford on a monthly basis during the best and worst of times".Prof. Wolandnoreply@blogger.comtag:blogger.com,1999:blog-9430835.post-8070465513378424032012-07-14T06:15:02.623-07:002012-07-14T06:15:02.623-07:00But when the Obama Administration settles on these...<i>But when the Obama Administration settles on these discrimination charges, it's always for a pittance compared to the hundreds of billions involved.</i><br><br />Well obviously, they need to cover their tracks. Imagine Obama going after his overlords on WS. Not likely. Its unlikely Obama does not know the score. PC whites maybe, but not Obama.headachenoreply@blogger.comtag:blogger.com,1999:blog-9430835.post-24656604436830093482012-07-13T19:10:36.212-07:002012-07-13T19:10:36.212-07:00"Truth said...
" "- You must ha..."Truth said...<br /><br /> " "- You must have an 85 IQ if you think that people aren't told what they will need to pay each month before they sign on the dotted line. If you can't afford it don't buy it. Its that simple. You stay in the black by staying in the black."<br /><br /> Great business advice there, Donald Trump. I guess it's a wonder anyone ever defaults on anything."<br /><br /><br />Actually, its practically one of the 10 commandments in terms of practical business advice I'd give to someone in the 'hood, Ruth. If they followed this one principle, many of their money worries would dramatically shrink.<br /><br />Of course, we're talking about things like not spending your baby mama's rent money on shiny, spinning rims for the whip, but I doubt many on the left side of the bell curve will ever figure out that bit of rocket science.Laurencenoreply@blogger.comtag:blogger.com,1999:blog-9430835.post-20638405945083972002012-07-13T16:11:10.501-07:002012-07-13T16:11:10.501-07:00Speaking of HBD lawsuits:
http://www.csmonitor.co...Speaking of HBD lawsuits:<br /><br />http://www.csmonitor.com/USA/Education/2012/0713/Michigan-students-sue-school-district-for-violating-their-right-to-readC. Van Carterhttps://www.blogger.com/profile/09918883799053031223noreply@blogger.comtag:blogger.com,1999:blog-9430835.post-51750997633460622942012-07-13T16:00:29.225-07:002012-07-13T16:00:29.225-07:00Truth said...Actually, Latinos carried the brunt o...Truth said...Actually, Latinos carried the brunt of the Subprime mess, there ED-WAR-DOH; That's why California, 6% black, 37% Mess-Kin, Nevada, 8% black, 27% Mess-kin* and Florida 15% black 22% Mess-Kin; were the vanguard states."<br /><br />My man Troof hits the nail on the head! The idiotic Karl Rove's attempt to co-opt mexican's into the GOP by making them homeowners can't be blamed on our African-American friends. <br /><br />But the shakedown, err, bank settlement will go mainly to blacks. The next question for you Truth is why blacks vote en masse for a political party that also welcomes Mess-Kin's in such numbers, when the huge number of Mess-Kins is quite bad for blacks. Come to think of it, its not like the Repubs would do anything about it either so forget the question. <br /><br />I'd be the first to say that blacks spend entirely too much time being angry about stuff, but in the case of this Mess-Kin invasion they have every right to angry. You guys (assuming you're black, maybe not) are disproportionately affected by them.Otis McWrongnoreply@blogger.comtag:blogger.com,1999:blog-9430835.post-87119662039054504182012-07-13T15:52:55.101-07:002012-07-13T15:52:55.101-07:00eah said...Why does the DOJ sue banks? Ask Willie ...eah said...Why does the DOJ sue banks? Ask Willie Sutton. It's a great racket, actually. They never actually have to prove any wrongdoing. Never have to face uncomfortable statistics about non-white default rates etc in court (assuming a competent defense, a big assumption I admit). Just sue, and the bank settles. "<br /><br />And then the banks get federal bailouts. So all the banks really are is the middle man in yet another wealth transfer to NAM's. And their lawyers. Somebody keep track of all this - we need to include it in the "Paid" column when calculating "Reparations" for slavery.Otis McWrongnoreply@blogger.comtag:blogger.com,1999:blog-9430835.post-55680440820815587582012-07-13T15:49:31.042-07:002012-07-13T15:49:31.042-07:00Blogger Average Joe said... I think an importan...Blogger Average Joe said... I think an important factor that is usually ignored in these discussions is the higher crime rates in black and Hispanic neighborhoods compared to white ones..."<br /><br />The important point that is ignored is that anybody with a pulse can be a mortgage broker. It is an extremely competitive business. The idea that a bunch of people in an incredibly competitive business all independently decided that they weren't going to lend to blacks is absurd. Why wouldn't a mortgage broker process a loan for a black? He doesn't give a crap if the loan goes bad or not. That's the bank's or whoever they sell it to's problem. The idea that the same mortgage broker would get away with high interest rates and fees without some other mortgage broker undercutting him is also absurd. <br /><br />However the idea that a black or hispanic borrower would call one and only one mortgage broker and not shop the loan nor spend 5 seconds on the innernetz searching for a better deal? Not so absurd. Its important to look like a playah, and playah's don't sweat the little stuff.Otis McWrongnoreply@blogger.comtag:blogger.com,1999:blog-9430835.post-47112878726920274582012-07-13T15:49:17.854-07:002012-07-13T15:49:17.854-07:00https://www.facebook.com/photo.php?fbid=4448063325...https://www.facebook.com/photo.php?fbid=4448063325596&set=p.4448063325596&type=1&theaterAnonymousnoreply@blogger.comtag:blogger.com,1999:blog-9430835.post-40655017960055549802012-07-13T14:59:44.945-07:002012-07-13T14:59:44.945-07:00"Now I have an 85 IQ, but there's one thi..."Now I have an 85 IQ, but there's one thing I just can't understand:<br /><br />Wouldn't a higher interest rate lead to a higher mortgage payment which would in turn lead some to be unable to pay it?"<br /><br />Most of these subprime guys couldn't even pay the principle, forget the interest.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-9430835.post-30319890811704703812012-07-13T14:43:57.872-07:002012-07-13T14:43:57.872-07:00Probably the guy who got a loan to pay $340,000 fo...Probably the guy who got a loan to pay $340,000 for a 500 square foot house in Compton had a good credit rating score. <br /><br />http://isteve.blogspot.com/2008/10/real-homes-of-genius.html<br /><br />But, using more variables than just credit rating would have suggested he has a higher risk of defaulting (as he did). For example, the $680 per square foot house is in COMPTON. But that would be racist redlining to take that into account.Steve Sailerhttps://www.blogger.com/profile/11920109042402850214noreply@blogger.comtag:blogger.com,1999:blog-9430835.post-10591236879055786032012-07-13T14:42:27.018-07:002012-07-13T14:42:27.018-07:00"The fact is the avg. black guy going there h..."The fact is the avg. black guy going there had a lower salary, higher debt, poorer credit scores from skipping out on debts before, etc. compared to the avg. white guy."<br /><br />Actually, Latinos carried the brunt of the Subprime mess, there ED-WAR-DOH; That's why California, 6% black, 37% Mess-Kin, Nevada, 8% black, 27% Mess-kin* and Florida 15% black 22% Mess-Kin; were the vanguard states.Truthhttps://www.blogger.com/profile/17286755693955361308noreply@blogger.comtag:blogger.com,1999:blog-9430835.post-78958273926753961292012-07-13T14:36:33.274-07:002012-07-13T14:36:33.274-07:00"- You must have an 85 IQ if you think that p..."- You must have an 85 IQ if you think that people aren't told what they will need to pay each month before they sign on the dotted line. If you can't afford it don't buy it. Its that simple. You stay in the black by staying in the black."<br /><br />Great business advice there, Donald Trump. I guess it's a wonder anyone ever defaults on anything.Truthhttps://www.blogger.com/profile/17286755693955361308noreply@blogger.comtag:blogger.com,1999:blog-9430835.post-39379681302796959462012-07-13T13:59:17.608-07:002012-07-13T13:59:17.608-07:00Ok, but I'm gonna need some talking points to ...Ok, but I'm gonna need some talking points to explain these quotes to my non-recovering friends.<br /><br />"white borrowers who posed the same credit risk" "white borrowers with similar credit risk profiles had received regular loans" "white borrowers with similar credit would pay less" "compared with white borrowers with a similar credit risk" "more likely to be steered into a subprime loan ... than were similarly creditworthy white borrowers"<br /><br />Help me out. Are you saying that those statements are meaningless because there's no way to accurately evaluate who has the "same credit risk profile" when brokers were playing fast and loose with income documentation? That's all I can come up with on my own, so help me out if there's more to it than that. btw - I'm sincere, not a troll.<br /><br />Incidentally, my (white) brother's mortgage broker (white, also) tried to steer him into a sub-prime but he told her "why would I do that? I got good credit and 20% down!" He told me that she didn't seem to understand what that had to do with anything.Recovering Liberal-aholicnoreply@blogger.comtag:blogger.com,1999:blog-9430835.post-89260503852209765922012-07-13T13:08:46.788-07:002012-07-13T13:08:46.788-07:00Yes, it was a classic mob style "bust out.&qu...<i>Yes, it was a classic mob style "bust out." In the traditional "bust out" the mob takes over a legitimate business, and because of its credit worthiness loads it with debt while simultaneously selling off its assets and looting the company.</i><br /><br />An apt analogy.ben tillmannoreply@blogger.comtag:blogger.com,1999:blog-9430835.post-58825978300264633842012-07-13T13:05:20.090-07:002012-07-13T13:05:20.090-07:00In so far as people do not vote to line their own ...<i>In so far as people do not vote to line their own pockets, it is because they also vote to protect a shared identity from the predations of those who do not belong to it, and who are attempting to pillage an inheritance to which they are not entitled.</i><br /><br />In other words, they're not voting to further their personal self-interest, but they're still voting in their self-interest. It's just that the relevant "self" is a larger group or community.ben tillmannoreply@blogger.comtag:blogger.com,1999:blog-9430835.post-12346958044814065982012-07-13T11:31:39.602-07:002012-07-13T11:31:39.602-07:00What's the point of suing the banks into bankr...What's the point of suing the banks into bankruptcy if you're just going to bail them out again?Geoff Matthewshttps://www.blogger.com/profile/07335872605196107867noreply@blogger.com