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Obama vs. Romney 101; 3 ways they differ on financial regulation


By marcus   Follow   Fri, 31 Aug 2012, 5:42pm   639 views   11 comments
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http://www.csmonitor.com/USA/DC-Decoder/2012/0828/Obama-vs.-Romney-101-3-ways-they-differ-on-regulation/Dodd-Frank-Wall-Street-Reform-and-Consumer-Protection-Act

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  1. thomaswong.1986


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    1   7:38pm Fri 31 Aug 2012   Share   Quote   Permalink   Like   Dislike (2)  

    From the article...

    "President Obama, who often referred to the pin-striped set as “fat cats,” cites a need for regulations that make it “more profitable to play by the rules than to game the system."

    We had govt regulations 1933-34 act, after the 1929 stock crash.. yet by 1999 the public ignored all the regulations which provided financial transparency and they still bid up stock with irrational exuberance.. Well that didnt work out after all.

    And the public shifted gears once again by irrationally over pricing housing over the past 12+ years, ignoring that house prices do fall and low interest rates and some fictitious demand/supply equation hype isnt going to support higher prices.

    And we still find the scapegoat fat cats in all of this... hoping RE prices will 'RECOVER'.

  2. groundhogdaze


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    2   9:52pm Fri 31 Aug 2012   Share   Quote   Permalink   Like   Dislike  

    How about we worry less about regulations and focus more on better principles? Glass-Steagall looked really attractive-- so much that Sandy Weill raped it and then apologized for it later. Republican officials defended this action by stating "Who wouldn't tap that piece of glAss?"

    The stuff they draft these days are so full of holes they could be considered pure works of fiction and can sit next to other fiction like "How I popped my Fountainhead" and "The Greatest Trick Xenu pulled was to convince Tom he Exists".

  3. marcus


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    3   12:13am Sat 1 Sep 2012   Share   Quote   Permalink   Like (1)   Dislike  

    thomaswong.1986 says

    And we still find the scapegoat fat cats in all of this... hoping RE prices will 'RECOVER'.

    The shadow banking market (ie CDOs,CDSs fraudulent mortgage securities with AAA fraudulent ratings) making the selling mortgages to people who couldn't afford them a supposedly viable business model, and so on,had nothing to do with it. IT was just people not realizing that real estate can drop, and bubble psychology.

    Scapegoating. Right.

    Yeah

  4. thomaswong.1986


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    4   1:15am Sat 1 Sep 2012   Share   Quote   Permalink   Like   Dislike (1)  

    marcus says

    The shadow banking market (ie CDOs,CDSs fraudulent mortgage securities with AAA fraudulent ratings) making the selling mortgages to people who couldn't afford them a supposedly viable business model,

    Backed by the US govt mandated policies to grow homeownership for those who otherwise couldnt afford homes ... and since it backed by the US Govt IT makes it AAA rating.

  5. marcus


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    5   1:24am Sat 1 Sep 2012   Share   Quote   Permalink   Like (1)   Dislike  

    thomaswong.1986 says

    Backed by the US govt mandated policies to grow homeownership for those who otherwise couldnt afford homes ... and since it backed by the US Govt IT makes it AAA rating.

    My respect for you just dropped way down to a new low. They were given the ratings because they were not understood (and possibly due to corruption). And they were not guaranteed by the govt. In point of fact they are securities, just like others that change in price based on risk. Credit default swaps are like insurance policies on these same mortgage backed securities. These sky rocketed in value in late 2008. I could go on....but the point is you are even more clueless than I ever imagined.

    Thomas Wrongwong

  6. thomaswong.1986


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    6   3:34am Sat 1 Sep 2012   Share   Quote   Permalink   Like   Dislike (1)  

    marcus says

    These sky rocketed in value in late 2008. I could go on....but the point is you are even more clueless than I ever imagined.

    the seeds of our issues are clear and go far back more than a decade as it relates with govt involvement in social engineering... housing programs. they should have left it alone, but Billy Bob Clinton had his own agenda and Obama has his.

    Please explain, why the SEC act of 33/34 failed to prevent the Stock Bubble of 1999-2000 and the recession there after. Why do we have the pubic and the media clam mering for some insane FaceBook valuation of $100Billion as if its fully justified. The answers are the same for the housing bubble!

  7. CaptainShuddup


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    7   6:58am Sat 1 Sep 2012   Share   Quote   Permalink   Like   Dislike (2)  

    I would even be interested in reading that article IF Obama actually gave the the consumer a pair balls by placing Elizabeth Warren as head of the CFPB, or if Dodd Frank wasn't a whole new set of creative loop holes for the wall street insiders.

    Hitler vs Stalin now there's a read.

  8. marcus


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    8   9:17am Sat 1 Sep 2012   Share   Quote   Permalink   Like (1)   Dislike  

    CaptainShuddup says

    I would even be interested

    I posted the above partly for you because of our discussion yesterday, where it was clear, as usual that you have absolutely no fact based or logic based reason (that you can explain) for preferring Romney.

    Even if I could give you proof that Romney was in the pocket of all the interests you claim to be against, and that Obama was fighting or at least trying to fight the same, you would come up with some BS expression of your feelings that tell you everything is OBama's fault. IT's just his style I guess?

    Then why do you get bothered when I conclude the only possible reason left for these feelings of yours ?

  9. Bap33


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    9   9:21am Sat 1 Sep 2012   Share   Quote   Permalink   Like   Dislike (1)  

    I can be found on here saying Romney was not my choice. He is too much DC and not conservative enough for me.

    Herman Cain I like.
    Paul Ryan seems good.
    Rubio has a good heart and is conservative.

    but, Romney is a little too much Bob Dole and not enough Wyatt Erp

  10. lostand confused


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    10   9:43am Sat 1 Sep 2012   Share   Quote   Permalink   Like   Dislike   Protected  

    Bap33 says

    Paul Ryan seems good.
    Rubio has a good heart and is conservative.

    Paul Ryan voted for No Child Left Behind, Medicare Prescription drug expansion, Stimulus, auto bailout -pretty much any big gubmnt expansion-Ryan supported.

    Rubio charged his minivan repairs and his groceries to the republican party credit card. Try that with any corporation-you will be fired or even charged criminally-the republicans vote him to be their senator and claim he has a good heart.

    I just don't get repubs.

  11. curious2


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    11   11:54am Sat 1 Sep 2012   Share   Quote   Permalink   Like   Dislike   Protected  

    lostand confused says

    I just don't get repubs.

    They're tribal. The specific policies and actions are irrelevant, what matters is professing loyalty to the tribal mantra. For example, witness Newt Gingrich: an embodiment of gluttony, greed, and pride, with his Tiffany's bill as evidence of luxury, and now upon his third wife, he represents most of the cardinal sins and clearly the adultery that the NT says will bar him from the kingdom; nevertheless, he was the choice of many "Christian conservatives" because he said what they wanted to hear. A lot of it is religious: they are living in a parallel world where "reality" is only a brief illusion and they will be judged eternally on their fealty to whatever their preacher says.

    Alas most Democrats are the same way. That can be observed from ObamneyCare, which Democrats opposed when it was called Hillary's Plan but then supported after the party enacted it.

    Both major parties are for joiners. But, as Patrick observed, most people don't like to think for themselves. Also, coalitions can become very powerful. So, it becomes "divide and misrule" and "choose the lesser of two evils."

    Anyway, back to the original topic. The Republicans vow to repeal Dodd-Frank and nearly all regulation, and would probably underfund the SEC, with the result that individual investors would lose everything or put their $ under the mattress. The Democrats vow to protect Dodd-Frank and nearly all regulation, even though it's full of giant loopholes. Either way, inflation will quickly wipe out savers and small investors, while the crony capitalists pull the strings on their marionettes to get another bailout.

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