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Old 03-24-2017, 10:34 PM   #21
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Quote:
Originally Posted by garison808
Trump's first Executive Order was to suspend an order that would have allowed more people to own houses, raising the cost of mortgage insurance to $500 per year. With more people applying for (and getting) home loans, lending institutions can lower their interest rates, thereby saving homeowners even more money. But lower interest rates means evil billionaires like Trump don't make as much money. Can't have that, now, can we?

So Trump guarantees his high income, and lies to the public about the reason. You, being a typical moronic Trumpeteer, buy into the whole thing, like it was actually the truth.
Fallacious thinking. The number of people who would switch to buying to non-buying because of that $500 is minimal.
Lending institutions won't lower their rates depending on volume of sales. Their rates are determined by a large variety of factors, volume of sales being a minor one.
Evil billionaires like Trump are not necessarily in the housing market. It's more likely superannuation funds and unions are invested in these areas as it's a steady return, so it's the little people funding the housing market.

By the way, it wasn't a $500 increase. It was the cancellation of a 0.25% cut in the premium. The rate hasn't changed and nobody would have budgeted for it so it won't have impacted any current home-buyers.
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Old 03-24-2017, 10:47 PM   #22
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Originally Posted by ShuGuy
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Originally Posted by 65dart

Hmm you mean he was going to his golf course to work. Then everyone bitched there should have already been bill, the republicans are worthless for not having one they need to do something right way. So they crank one out to satisfy the american people. Now the bitch is the bill was rushed its not thought out. You don't get the best of both worlds. If you bitched that republicans were moving fast enough then you don't get to bitch that the bill they have is crap because it was rushed.

Hey dummy: when you complain about Obama golfing too much, you don't get to do that the second you come into office. Especially when you try and hide it.

Secondly, enough with your horseshit: the Republicans had SEVEN YEARS to come up with ideas on an alternative to Obamacare. All they did during that time was deflect, or give a nonsense answer like "dur hur hur state lines." I'm not asking that they had a word for word bill on what they were going to do, because you're stupidly fixated on that: I'm asking that they have some concept of a plan before they went to town.

They didn't. They put together a "rushed" plan because the plan was to never have a plan. They haven't "satisfied the American people" because we're officially at a point where more people approve of the ACA than disapprove of it, whereas their plan was at a whopping 17%.

I'd call you a sheep with the way you'll endlessly defend Republicans, but given your inability to have a rational thought, that would be insulting to the sheep.

Hey dummy he complained about the manner in which obama went golfing, Saying if he is going to go golfing he should be using it for meetings, which is exactley what trump did. Funny how everyone take what trump says out of context.

My horse shit ha. Your the one wanting a seven year old plan. Do you think a driving /cell phone law that was written seven years ago would apply to today, Do you think laws on self driving cars from seven years ago would apply today. No they wouldn't because times have changed. So to keep saying they should of had this seven years ago and then use it today is idiotic. Also regardless of what you think of it to pump a plan in a month in half makes it pretty obvious they had a base plan already in place. You are just purely looking for a reason to bitch.

Problem is I am the one with rational thought. Its all the liberals that are not. You guys take half of a news story and it suddenly becomes the truth, You seem to forget that their is a process to goverment that takes time so trump cannot magically do things instantly, then when things do it get done in hurry you bitch that it was too fast. No matter what is done it will be wrong, even if you contradict yourself along the way. That is text book of being illogical.
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Old 03-24-2017, 11:10 PM   #23
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Originally Posted by garison808
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Originally Posted by 65dart
Trump has not cost anyone anything. Obama put this order in a week before he was leaving office.
You are such a stupid fucking moron. Typical Trumpanzee, you believe anything your God, the Lord Almighty Trump tells you. What an idiot.

Here it is: http://www.ajc.com/news/national/trump-first-executive-order-suspends-mortgage-insurance-rate-decrease/

Trump's first Executive Order was to suspend an order that would have allowed more people to own houses, raising the cost of mortgage insurance to $500 per year. With more people applying for (and getting) home loans, lending institutions can lower their interest rates, thereby saving homeowners even more money. But lower interest rates means evil billionaires like Trump don't make as much money. Can't have that, now, can we?

So Trump guarantees his high income, and lies to the public about the reason. You, being a typical moronic Trumpeteer, buy into the whole thing, like it was actually the truth.

It didn't raise the cost of mortgages it kept them at the same cost they were. Obama tried to okiee doke trump by trying to implement this plan a week before he left office. Trump put a stop to it, as it put tax payers at risks.

While selling more houses runs the intrest rate down, it also runs the market price up. Market price out weighs the intrest rate, when it comes to money, So the saving of this deal will be canceled out by the market going up.

So next time I suggest you do a little more research and find an article that explains things, instead of an article that basically give one little snipit of info,then goes on to bash trump.

By the way FHA loans will not be effected that much by intrest rates, they are considered a high risk loan so no matter what the intrest rate on them is going to be high.
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Old 03-24-2017, 11:17 PM   #24
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Quote:
Originally Posted by tracer_bullet77
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Originally Posted by 65dart
I have not watched any video of it, so have not seen that. But as far as demeanor goes, there is a lot behind closed doors we do not see. So as far as demeanor goes I overlook that it till more info comes out, on what is actually happening.

Umm, don't agree with you. No matter what goes behind the closed doors, outward decorum should be maintained. Now don't defend stating Trump is a pure-hearted person and he could not possibly kept the ruse, no one going to buy it.
Watch the video - you will see....

I wasn't defending him. Simply there is not enough info there to make a decision. Yes there should be a certain way you should act while in public, but i also wouldn't expect anyone to smile and shake the hand of the guy that has em bent over a table and giving it to them. So not knowing really what basis caused his actions I'm just going to look at facts till more info is availiable.
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Old 03-24-2017, 11:35 PM   #25
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I'm guessing garison is the type of guy that spends an extra 20 dollars to save the 6 dollars of shipping, then goes around bragging that he saved six dollars.
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Old 03-24-2017, 11:45 PM   #26
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Originally Posted by 65dart
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Originally Posted by ShuGuy

Hey dummy: when you complain about Obama golfing too much, you don't get to do that the second you come into office. Especially when you try and hide it.

Secondly, enough with your horseshit: the Republicans had SEVEN YEARS to come up with ideas on an alternative to Obamacare. All they did during that time was deflect, or give a nonsense answer like "dur hur hur state lines." I'm not asking that they had a word for word bill on what they were going to do, because you're stupidly fixated on that: I'm asking that they have some concept of a plan before they went to town.

They didn't. They put together a "rushed" plan because the plan was to never have a plan. They haven't "satisfied the American people" because we're officially at a point where more people approve of the ACA than disapprove of it, whereas their plan was at a whopping 17%.

I'd call you a sheep with the way you'll endlessly defend Republicans, but given your inability to have a rational thought, that would be insulting to the sheep.

Hey dummy he complained about the manner in which obama went golfing, Saying if he is going to go golfing he should be using it for meetings, which is exactley what trump did. Funny how everyone take what trump says out of context.

My horse shit ha. Your the one wanting a seven year old plan. Do you think a driving /cell phone law that was written seven years ago would apply to today, Do you think laws on self driving cars from seven years ago would apply today. No they wouldn't because times have changed. So to keep saying they should of had this seven years ago and then use it today is idiotic. Also regardless of what you think of it to pump a plan in a month in half makes it pretty obvious they had a base plan already in place. You are just purely looking for a reason to bitch.

Problem is I am the one with rational thought. Its all the liberals that are not. You guys take half of a news story and it suddenly becomes the truth, You seem to forget that their is a process to goverment that takes time so trump cannot magically do things instantly, then when things do it get done in hurry you bitch that it was too fast. No matter what is done it will be wrong, even if you contradict yourself along the way. That is text book of being illogical.

I'm calling your bullshit: what has changed about healthcare regulation and the marketplace since the ACA that couldn't be accounted for in a GOP bill in the last 7 years? Ignorant cockstain.
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Old 03-25-2017, 12:33 AM   #27
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Still can't discuss anything without personal attacks.
Still don't know the difference between a personal attack and a statement of fact.


Yes you do. If you really don't know, then you are the real "fucking stupid moron".
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Old 03-25-2017, 12:49 AM   #28
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Originally Posted by 65dart
You seem to forget that their is a process to goverment that takes time so trump cannot magically do things instantly, then when things do it get done in hurry you bitch that it was too fast. No matter what is done it will be wrong, even if you contradict yourself along the way. That is text book of being illogical.

what do you think about this?

https://www.washingtonpost.com/power...=.ffb660c9a58b
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Old 03-25-2017, 07:20 AM   #29
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Hey dummy he complained about the manner in which obama went golfing, Saying if he is going to go golfing he should be using it for meetings, which is exactley what trump did. Funny how everyone take what trump says out of context.

My horse shit ha. Your the one wanting a seven year old plan. Do you think a driving /cell phone law that was written seven years ago would apply to today, Do you think laws on self driving cars from seven years ago would apply today. No they wouldn't because times have changed. So to keep saying they should of had this seven years ago and then use it today is idiotic. Also regardless of what you think of it to pump a plan in a month in half makes it pretty obvious they had a base plan already in place. You are just purely looking for a reason to bitch.

Problem is I am the one with rational thought. Its all the liberals that are not. You guys take half of a news story and it suddenly becomes the truth, You seem to forget that their is a process to goverment that takes time so trump cannot magically do things instantly, then when things do it get done in hurry you bitch that it was too fast. No matter what is done it will be wrong, even if you contradict yourself along the way. That is text book of being illogical.

I'm calling your bullshit: what has changed about healthcare regulation and the marketplace since the ACA that couldn't be accounted for in a GOP bill in the last 7 years? Ignorant cockstain.

You do realize that there has been over 70 changes to the aca since it passed, don't you. Gee what changed in seven years that they could have accounted for when the aca was first written. Hmm that makes your argument pretty weak doesn't it. The dems had to change their own bill 70 times. yet you expect the gop to magically know what will change and write a bill to account for it.
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Old 03-25-2017, 07:29 AM   #30
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Quote:
Originally Posted by tracer_bullet77
Quote:
Originally Posted by 65dart
You seem to forget that their is a process to goverment that takes time so trump cannot magically do things instantly, then when things do it get done in hurry you bitch that it was too fast. No matter what is done it will be wrong, even if you contradict yourself along the way. That is text book of being illogical.

what do you think about this?

https://www.washingtonpost.com/power...=.ffb660c9a58b

You will have to elaborate I'm not sure what your shooting for.
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Old 03-25-2017, 11:39 AM   #31
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You will have to elaborate I'm not sure what your shooting for.

If I was so well-informed like you all, I could have. I am not, but apparently it shows that he had withdrawn the replacement for indefinite period.
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Old 03-25-2017, 01:00 PM   #32
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I'm calling your bullshit: what has changed about healthcare regulation and the marketplace since the ACA that couldn't be accounted for in a GOP bill in the last 7 years? Ignorant cockstain.

You do realize that there has been over 70 changes to the aca since it passed, don't you. Gee what changed in seven years that they could have accounted for when the aca was first written. Hmm that makes your argument pretty weak doesn't it. The dems had to change their own bill 70 times. yet you expect the gop to magically know what will change and write a bill to account for it.

So you can't name things that would change that would prevent the Republicans from having even a CONCEPT for a bill. Got it. You're a lying sack of shit. Thanks for clearing that up.
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Old 03-25-2017, 02:39 PM   #33
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Yes, exactly. The loans are more risky therefore they pay more insurance.

The same thing happens when you have poor credit and get a car loan. You don't get the 1.5% rate. Your poor credit means you can get a rate of 15-20%.

The mortgage crisis... Its like people don't remember it or something. People buying homes they couldn't afford.

Quote:
Originally Posted by ASHSON
The cancelling to the Mortgage insurance only applies to FHA loans, not the housing market generally.
The FHA insures about 16 percent of the homes sold in the country. The loans are popular with first-time home buyers and those without the best credit.
You know the type of loans. The ones that caused the Global Financial Crisis when the banks freely handed them out.

Somehow, I can't see see people everywhere not being able to afford houses because of this decision. Insurance rates are generally decided on by actuaries who make their living working out complex formulas that apply to the insurance industry. Any politician who sticks their nose in is already out of their depth. The question is, who was changing what the actuaries suggested was the correct rate - Obama or Trump?

The original policy change was made January, 9th, when Obama was effectively in caretaker mode and shouldn't have been making these sort of decisions.
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Old 03-25-2017, 02:41 PM   #34
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You are signing your posts "Ignorant cockstain" now?

Well, that took quite a turn. Why are you identifying as an ignorant cockstain? And, how are cockstains ignorant - or smart?

Inquiring minds want to know.

Quote:
Originally Posted by ShuGuy
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Originally Posted by 65dart

Hey dummy he complained about the manner in which obama went golfing, Saying if he is going to go golfing he should be using it for meetings, which is exactley what trump did. Funny how everyone take what trump says out of context.

My horse shit ha. Your the one wanting a seven year old plan. Do you think a driving /cell phone law that was written seven years ago would apply to today, Do you think laws on self driving cars from seven years ago would apply today. No they wouldn't because times have changed. So to keep saying they should of had this seven years ago and then use it today is idiotic. Also regardless of what you think of it to pump a plan in a month in half makes it pretty obvious they had a base plan already in place. You are just purely looking for a reason to bitch.

Problem is I am the one with rational thought. Its all the liberals that are not. You guys take half of a news story and it suddenly becomes the truth, You seem to forget that their is a process to goverment that takes time so trump cannot magically do things instantly, then when things do it get done in hurry you bitch that it was too fast. No matter what is done it will be wrong, even if you contradict yourself along the way. That is text book of being illogical.

I'm calling your bullshit: what has changed about healthcare regulation and the marketplace since the ACA that couldn't be accounted for in a GOP bill in the last 7 years? Ignorant cockstain.
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Old 03-25-2017, 02:42 PM   #35
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LOL, yesssss.

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Still don't know the difference between a personal attack and a statement of fact.


Yes you do. If you really don't know, then you are the real "fucking stupid moron".
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Old 03-25-2017, 02:55 PM   #36
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The GOP by passing a shitty bill, was about to take ownership of the failing Obamacare. The GOP bill was going to do nothing to reduce the cost of healthcare. Just like Obamacare did nothing to reduce the cost of healthcare for most Americans.

This healthcare stuff is incredibly complicated. And, yes, the GOP is guilty of running against Obamacare yet not having a viable plan to fix it.

And, it all depends on your definition of "fix".

The Democrats basically pushed us a lot further to the left and inched us toward socialized medicine. They knew they couldn't get what they really wanted - single payer, socialized medicine. So, they came up with Obamacare which they lied to get passed into law. But, it didn't make healthcare cheaper for most. In fact, it made it more expensive. It became damn near free for a lot of people.

Anecdotal story warning here. A good female friend of mine went through some health issues last year and lost her job because she missed several weeks of work. In short, she suffers from chronic depression as well as fibromyalgia. Nothing, at this point, that can be classified as "disabling". But, she's not working. Just by reporting that she was making zero dollars, she easily got on an insurance plan that costs her $2 a month. No copays. Very little in rx costs. So, now she goes to the doctor for any little thing that concerns her. And, why not? Its "free".

But, someone is paying for that. The poor schmuck of a family that is middle class and has seen their monthly premiums go from $350 to $800. They're paying for it. The single person that now pays double in premiums and has seen their deductibles get higher and copays get higher - they pay for that.

So, Obamacare has been a huge entitlement program at the expense of all the people that actually pay for their health care.

I wish the GOP good luck in rolling back entitlements that Obamacare granted to millions of people. Many receiving those entitlements, quite honestly, probably voted for the GOP and/or Trump.

I cannot see any clear way out of this mess. And, shame on the GOP for promising a way out when they have to know there isn't an easy way out that people will stomach.



Quote:
Originally Posted by tracer_bullet77
Quote:
Originally Posted by 65dart
You seem to forget that their is a process to goverment that takes time so trump cannot magically do things instantly, then when things do it get done in hurry you bitch that it was too fast. No matter what is done it will be wrong, even if you contradict yourself along the way. That is text book of being illogical.

what do you think about this?

https://www.washingtonpost.com/power...=.ffb660c9a58b
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Old 03-26-2017, 01:00 AM   #37
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You do realize that there has been over 70 changes to the aca since it passed, don't you. Gee what changed in seven years that they could have accounted for when the aca was first written. Hmm that makes your argument pretty weak doesn't it. The dems had to change their own bill 70 times. yet you expect the gop to magically know what will change and write a bill to account for it.

So you can't name things that would change that would prevent the Republicans from having even a CONCEPT for a bill. Got it. You're a lying sack of shit. Thanks for clearing that up.

You seriously can't be this ignorant,and irrational . If there was no bill written I couldn't speculate what would have been put in it much less what they would account for changes in the future.

What I did show you was fact . Obama's bill changed 70 times to date. Meaning at least 70 things changed enough that they had to change the bill. So the logical guy would go shit I guess a lot things do change in 7 years.
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Old 03-26-2017, 01:34 AM   #38
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Originally Posted by infantrystud
Anecdotal story warning here. A good female friend of mine went through some health issues last year and lost her job because she missed several weeks of work. In short, she suffers from chronic depression as well as fibromyalgia. Nothing, at this point, that can be classified as "disabling". But, she's not working. Just by reporting that she was making zero dollars, she easily got on an insurance plan that costs her $2 a month. No copays. Very little in rx costs. So, now she goes to the doctor for any little thing that concerns her. And, why not? Its "free".

But, someone is paying for that. The poor schmuck of a family that is middle class and has seen their monthly premiums go from $350 to $800. They're paying for it. The single person that now pays double in premiums and has seen their deductibles get higher and copays get higher - they pay for that.

So, Obamacare has been a huge entitlement program at the expense of all the people that actually pay for their health care.

This is the kind of argument I love and revisit this sub-forum. And this is the kind of reasoning which gave me lot of encouragement to start posting in MD. I made it no secret that I am politically ignorant, and I learn a lot from these kind of threads. I may not agree, but I read every line seriously.

So Infantry - here is my general reasoning. I don't understand Obamacare, and I am pretty much sure nobody does. I did some googling, and pretty much I got confused as there are both sides of the story. Apparently it is forcing everyone to have a health-care - I can not agree more (why should I pay for you when you dont want to foot the bill); but at the same time even the best advocates are saying it is immensely complicated, and raised the cost of health-care in short term.

I have my company plan, so I don't have much flexibility (company contributes - if I quit the plan my premium will be doubled). But overall, with my limited understanding I liked ACA. No reason why Trump will repeal it, and if he does, it will be one of the real damage as mentioned in the beginning of the thread. Thoughts?
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Old 03-26-2017, 01:47 AM   #39
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If people consider healthcare to be free they will over-use it.
Why not? It doesn't cost anything.
I know a young lady that takes her daughter to see several doctors each time she has a cold, just to make sure that a cold is all it is.

All visits to a doctor should come with a co-payment, even if it's just nominal. It's just a slight discouragement to over-use and keeps total medical costs down. The case above - Mrs X would probably pay a $5 payment to visit one doctor but she wouldn't want to pay $15 to visit three.
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Old 03-26-2017, 05:38 AM   #40
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You will have to elaborate I'm not sure what your shooting for.

If I was so well-informed like you all, I could have. I am not, but apparently it shows that he had withdrawn the replacement for indefinite period.

Yes, but is this in reference to my comment, or you just looking on general thoughts about him pulling the bill. I'm not sure what subject matter your going for on this. As their is a lot of topics I could go off of in that article.
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