Read this democrats and realize people are waking up



deregulation of mortgage standards resulted in 2008 collapse


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  1. The Legislative Roots of the 2008 Housing Crash: How Deregulation, Speculation, and Economic Instability Led to Financial Ruin
    The deregulation of the mortgage and financial industries allowed high-risk lending and excessive risk-taking, which directly contributed to the 2008 financial collapse.

    Historical​

    The roots of the crisis trace back to the 1980s with the Alternative Mortgage Transaction Parity Act (AMTPA) of 1982, which allowed lenders to bypass state restrictions and offer adjustable-rate mortgages (ARMs), balloon loans, and interest-only mortgages. Prior to this, mortgage lending was tightly regulated, with fixed-rate loans, strict income verification, and down payment requirements that limited defaults. Deregulation encouraged lenders to issue subprime loans to borrowers with poor credit histories or low incomes, often without adequate verification of income or ability to repay.

    LinkedIn+1

    Expansion​

    During the early 2000s housing boom, subprime lending surged. Lenders issued $1.5 trillion in risky mortgages between 2000 and 2006, relying on rapidly rising home prices to protect their investments. These loans often featured low initial payments that later reset to higher rates, trapping borrowers in unaffordable mortgages. The widespread issuance of these loans fueled a housing bubble, and when home prices began to decline, defaults and foreclosures skyrocketed, creating a glut of homes on the market and a credit crunch.

    EBSCO+1

    Role​

    Financial deregulation extended beyond mortgage lending. The repeal of the Glass-Steagall Act in 1999 allowed commercial banks to engage in investment banking activities, increasing exposure to mortgage-backed securities and other high-risk financial products. Deregulation also left the shadow banking system—including investment banks, hedge funds, and money market funds—largely unregulated, enabling excessive leverage and risky investments without adequate oversight. The Federal Deposit Insurance Corporation (FDIC) later noted that over 30 years of deregulation and reliance on self-regulation stripped away safeguards that could have prevented the crisis.

    CGAA+1

    Collapse​

    As subprime mortgages defaulted, mortgage-backed securities and collateralized debt obligations lost value, causing massive losses for banks and investors. Major institutions like Lehman Brothers and AIG collapsed, triggering a global financial crisis. The combination of risky lending, complex financial products, and insufficient regulation created a systemic vulnerability that ultimately led to the 2008 recession.

    Wikipedia+1

    Conclusion​

    In summary, the deregulation of the mortgage and financial industries—through legislative acts like AMTPA, the repeal of Glass-Steagall, and lax oversight of the shadow banking system—enabled high-risk lending and excessive leverage. This environment allowed subprime mortgages to proliferate, housing prices to inflate unsustainably, and financial institutions to take on dangerous exposures, all of which culminated in the 2008 financial collapse.

    Wikipedia+3
 
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Democrats admit they abandoned precedent, denied Trump due process in impeachment​

New book claims Pelosi, Schiff steamrolled objections about lack of witnesses and Trump's rights​

Jonathan Turley By Jonathan Turley Fox News
Published September 29, 2022 7:00am EDT
 
How much relief have they gotten from Trump?
Trump did not solicit donations for a hospital to be built in Haiti, but Hillary did receive donations for a hospital that was never built.
 
Bullshit! Prove it!!!!

Cover Up - Obama Sex Settlement at Harvard - henrymakow.com

Cover Up - Obama Sex Settlement at Harvard

July 29, 2016

Harvard University paid out over $10K

to two male Law Review editors who complained

of sexual harassment by

Barack Obama, who was President of

the Harvard Law Review 1988-1989.

Clearly Obama had CIA or Masonic protection

that organized the payments and suppressed the story.

Even the GOP kept silent.

Question:
Have you heard about this? I stumbled on the story while searching for images of "sexual perversion."

During Barack Obama's tenure as the president of the Harvard Law Review in the late 1980s, at least two male student editors complained to colleagues and senior university officials about inappropriate behavior by Obama, ultimately leaving their positions at the journal, multiple sources confirm to THE KANSAS CITIAN.

The men complained of sexually suggestive behavior by Obama that made them angry and uncomfortable, the sources said, and they signed agreements with the university that gave them financial payouts to leave the journal. The agreements also included language that bars the men from talking about their departures.

In a series of comments over the past 10 days, Obama and his administration repeatedly declined to respond directly about whether he ever faced allegations of sexual harassment at the journal. They have also declined to address questions about specific reporting confirming that there were financial settlements in two cases in which men levelled complaints.

THE KANSAS CITIAN has confirmed the identities of the two male journal editors who complained about Obama but, for privacy concerns, is not publishing their names.

White House spokesman Jay Carney told THE KANSAS CITIAN the president indicated to White House staff that he was "vaguely familiar" with the charges and that the university's general counsel had resolved the matter.

Obama was president of the Harvard Law Review from late-1988 to mid-1989. THE KANSAS CITIAN learned of the allegations against him, and over the course of several weeks, has put together accounts of what happened by talking to a lengthy roster of former university officials, current and past students and others familiar with the workings of the journal at the time Obama was there.

In one case, THE KANSAS CITIAN has seen documentation describing the allegations and showing that the university formally resolved the matter. Both men received separation packages that were in the five-figure range.

On the details of Obama's allegedly inappropriate behavior with the two men, THE KANSAS CITIAN has a half-dozen sources shedding light on different aspects of the complaints.

The sources -- including the recollections of close associates and other documentation -- describe episodes that left the men upset and offended. These incidents include conversations allegedly filled with innuendo or personal questions of a sexually suggestive nature, taking place at hotels during conferences, at other officially sanctioned journal events and at the journal's offices.

There were also descriptions of physical gestures that were not overtly sexual but that made men who experienced or witnessed them uncomfortable and that they regarded as improper in a professional relationship.

UPDATE: Third man comes forward to AP.
The AP:

A third former editor says he considered filing a workplace complaint over what he considered aggressive and unwanted behavior by Barack Obama when he worked under the president in the 1991 at the University of Chicago. He says the behavior included a private invitation to his apartment.

He worked for the University of Chicago when he was a Visiting Law and Government Fellow. He told The Associated Press that Obama made sexually suggestive remarks or gestures about the same time that the two editors of the Harvard Law Review had settled separate harassment complaints against him.

The employee described situations in which he said Obama told him he had confided to colleagues how attractive he was and invited him to his apartment outside work. He spoke on condition of anonymity, saying he feared retaliation. The White House declined to comment.

First Comment by Richard

Most politicians are sex deviants.

They're immune to sex scandal unless the managing editor gets the order from on high to expose them for real. Otherwise media renders unauthorized (though true) leaks 'irrelevant'.

The former Chicago Limo driver/male prostitute/drug dealer Larry Sinclair gave a most credible story about driving Senator Obama two nights in 1999. The profile of Obama as a "down low" suit paying for crack and a blow job in a limo sounds exactly right for Obama's "type". That would be the only kind of "intimacy" he could handle. I can't picture him with a woman at all.
Glen adds:

Wow, more dirt on our savior Obama as we watch the DNC implode. One would almost think it is by design. The first comment by Richard nailed it.

Let us not forget Joan Rivers who was the first to out Michelle as a "Tranny" died after minor surgery. My guess is she jumped the gun and somebody didn't like it. This is from the Huffington Post: "
Rivers died Sept. 4, a week after she had been rushed to the hospital after suffering cardiac arrest during a throat procedure to evaluate changes in her voice, and to address her acid reflux, at Yorkville Endoscopy. While the medical examiner called the complication "predicable" in its report, released Wednesday, the doctor who performed Rivers' procedure has since left the practice and the clinic is under investigation by The New York State Health Department. Neither the doctor nor the clinic has been accused of wrongdoing at this time."

Here is the forty second video that more than likely got Rivers killed.
https://www.youtube.com/watch?v=Et38_Ufv-Jw
--------------
Related - Reggie "Love" - Obama's Body Man
 
Bullshit! Prove it!!!!
I don't have to prove Obama's finances have not been audited and made public. If you choose to deny that claim you must prove they were audited and made public.
 
Bullshit! Prove it!!!!

https://newspunch.com/clinton-foundation-admit-85-of-donations-do-not-go-to-charity/ 9-5-16

Clinton Foundation Admit 85% Of Donations Do Not Go To Charity


Fact checked

THE BUSINESS MODEL OF THE CLINTONS IS TO STAND BETWEEN MISERY AND THE DONOR COMMUNITY AND ALLOW BILLIONS OF DOLLARS TO GET DIVERTED.

September 5, 2016 Baxter Dmitry News, US 1 Comment
The Clinton Foundation is a giant vampire squid with its filaments wrapped around the world and its blood funnel jamming relentlessly into anything that smells like money. That’s OK, people say, it’s a charity. They might be right on paper, but make no mistake – the main beneficiaries of the Clinton Foundation are the Clintons.

What percentage of Clinton Foundation money goes to real and actual charities? If you define “actual charities not controlled by the Clintons” as “programmatic grants,” then it appears the number is 15%.
 
https://newspunch.com/clinton-foundation-admit-85-of-donations-do-not-go-to-charity/ 9-5-16

Clinton Foundation Admit 85% Of Donations Do Not Go To Charity


Fact checked

THE BUSINESS MODEL OF THE CLINTONS IS TO STAND BETWEEN MISERY AND THE DONOR COMMUNITY AND ALLOW BILLIONS OF DOLLARS TO GET DIVERTED.

September 5, 2016 Baxter Dmitry News, US 1 Comment
The Clinton Foundation is a giant vampire squid with its filaments wrapped around the world and its blood funnel jamming relentlessly into anything that smells like money. That’s OK, people say, it’s a charity. They might be right on paper, but make no mistake – the main beneficiaries of the Clinton Foundation are the Clintons.

What percentage of Clinton Foundation money goes to real and actual charities? If you define “actual charities not controlled by the Clintons” as “programmatic grants,” then it appears the number is 15%.
The People's Voice is your relayer of "factual" news?

Hahahaha
  • A questionable source exhibits one or more of the following: extreme bias, consistent promotion of propaganda/conspiracies, poor or no sourcing to credible information, a complete lack of transparency, and/or is fake news. Fake News is the deliberate attempt to publish hoaxes and/or disinformation for profit or influence (Learn More). Sources listed in the Questionable Category may be very untrustworthy and should be fact-checked on a per-article basis. Please note sources on this list are not considered fake news unless specifically written in the reasoning section for that source. See all Questionable sources.
    • Overall, we rate The People’s Voice a Questionable source based on extreme right-wing bias and promotion of tin foil hat conspiracies. This website has zero credibility due to the routine publishing of fake news.
1779370391160.webp
 
I don't have to prove Obama's finances have not been audited and made public. If you choose to deny that claim you must prove they were audited and made public.
AI Overview
Yes, Barack and Michelle Obama’s finances were routinely audited. Internal Revenue Service (IRS) procedures require mandatory audits of the President's and Vice President’s annual tax returns, meaning that the Obamas were subject to these standard reviews every year they were in office. [1, 2]
 
Cover Up - Obama Sex Settlement at Harvard - henrymakow.com

Cover Up - Obama Sex Settlement at Harvard

July 29, 2016

Harvard University paid out over $10K

to two male Law Review editors who complained

of sexual harassment by

Barack Obama, who was President of

the Harvard Law Review 1988-1989.

Clearly Obama had CIA or Masonic protection

that organized the payments and suppressed the story.

Even the GOP kept silent.

Question:
Have you heard about this? I stumbled on the story while searching for images of "sexual perversion."

During Barack Obama's tenure as the president of the Harvard Law Review in the late 1980s, at least two male student editors complained to colleagues and senior university officials about inappropriate behavior by Obama, ultimately leaving their positions at the journal, multiple sources confirm to THE KANSAS CITIAN.

The men complained of sexually suggestive behavior by Obama that made them angry and uncomfortable, the sources said, and they signed agreements with the university that gave them financial payouts to leave the journal. The agreements also included language that bars the men from talking about their departures.

In a series of comments over the past 10 days, Obama and his administration repeatedly declined to respond directly about whether he ever faced allegations of sexual harassment at the journal. They have also declined to address questions about specific reporting confirming that there were financial settlements in two cases in which men levelled complaints.

THE KANSAS CITIAN has confirmed the identities of the two male journal editors who complained about Obama but, for privacy concerns, is not publishing their names.

White House spokesman Jay Carney told THE KANSAS CITIAN the president indicated to White House staff that he was "vaguely familiar" with the charges and that the university's general counsel had resolved the matter.

Obama was president of the Harvard Law Review from late-1988 to mid-1989. THE KANSAS CITIAN learned of the allegations against him, and over the course of several weeks, has put together accounts of what happened by talking to a lengthy roster of former university officials, current and past students and others familiar with the workings of the journal at the time Obama was there.

In one case, THE KANSAS CITIAN has seen documentation describing the allegations and showing that the university formally resolved the matter. Both men received separation packages that were in the five-figure range.

On the details of Obama's allegedly inappropriate behavior with the two men, THE KANSAS CITIAN has a half-dozen sources shedding light on different aspects of the complaints.

The sources -- including the recollections of close associates and other documentation -- describe episodes that left the men upset and offended. These incidents include conversations allegedly filled with innuendo or personal questions of a sexually suggestive nature, taking place at hotels during conferences, at other officially sanctioned journal events and at the journal's offices.

There were also descriptions of physical gestures that were not overtly sexual but that made men who experienced or witnessed them uncomfortable and that they regarded as improper in a professional relationship.

UPDATE: Third man comes forward to AP.
The AP:

A third former editor says he considered filing a workplace complaint over what he considered aggressive and unwanted behavior by Barack Obama when he worked under the president in the 1991 at the University of Chicago. He says the behavior included a private invitation to his apartment.

He worked for the University of Chicago when he was a Visiting Law and Government Fellow. He told The Associated Press that Obama made sexually suggestive remarks or gestures about the same time that the two editors of the Harvard Law Review had settled separate harassment complaints against him.

The employee described situations in which he said Obama told him he had confided to colleagues how attractive he was and invited him to his apartment outside work. He spoke on condition of anonymity, saying he feared retaliation. The White House declined to comment.

First Comment by Richard

Most politicians are sex deviants.

They're immune to sex scandal unless the managing editor gets the order from on high to expose them for real. Otherwise media renders unauthorized (though true) leaks 'irrelevant'.

The former Chicago Limo driver/male prostitute/drug dealer Larry Sinclair gave a most credible story about driving Senator Obama two nights in 1999. The profile of Obama as a "down low" suit paying for crack and a blow job in a limo sounds exactly right for Obama's "type". That would be the only kind of "intimacy" he could handle. I can't picture him with a woman at all.
Glen adds:

Wow, more dirt on our savior Obama as we watch the DNC implode. One would almost think it is by design. The first comment by Richard nailed it.

Let us not forget Joan Rivers who was the first to out Michelle as a "Tranny" died after minor surgery. My guess is she jumped the gun and somebody didn't like it. This is from the Huffington Post: "
Rivers died Sept. 4, a week after she had been rushed to the hospital after suffering cardiac arrest during a throat procedure to evaluate changes in her voice, and to address her acid reflux, at Yorkville Endoscopy. While the medical examiner called the complication "predicable" in its report, released Wednesday, the doctor who performed Rivers' procedure has since left the practice and the clinic is under investigation by The New York State Health Department. Neither the doctor nor the clinic has been accused of wrongdoing at this time."

Here is the forty second video that more than likely got Rivers killed.
https://www.youtube.com/watch?v=Et38_Ufv-Jw
--------------
Related - Reggie "Love" - Obama's Body Man
Once again, extreme right publication that you use for your "factual" checks. These publications are known for INVENTING facts that they want to use

AI Overview

Henry Makow.com is not a journalistic news source; it is a platform dedicated to conspiracy theories, anti-Semitism, and extreme right-wing ideology. Experts classify the site as an unreliable, heavily biased purveyor of misinformation that promotes hate speech and bigotry rather than factual or balanced media.

AI Overview
There is no public record of Barack Obama ever receiving or facing complaints of improper sexual attacks or misconduct while he was a student at Harvard Law School.

Obama attended Harvard Law School from 1988 to 1991, where he served as the first Black president of the Harvard Law Review. While his time on campus involved public speaking at student rallies and engagement in campus protests (such as demonstrations for faculty diversity in 1991), no allegations or complaints of sexual impropriety have ever been reported
 
Trump did not solicit donations for a hospital to be built in Haiti, but Hillary did receive donations for a hospital that was never built.

AI Overview

There is no evidence that Hillary Clinton ever received donations for building a hospital in Haiti that she failed to build. Fact-checkers and independent journalists have investigated this claim and found it to be baseless.
 
Trump didn't have to take the political risk of denying the radical Mullahs of Iran a nuclear weapon. That took individual responsibility, and balls. He's doing the world a favor that previous Presidents dreamed of but were too weak to do.

One of your dumbest posts ever, and that's saying something.

Trump isn't "doing the world a favour". He's doing the opposite - disrupting the world's economy, driving up the price of oil, and getting NOTHING in return. He's driving the rest of the world into the waiting arms of the Chinese, and lost all of your former allies and trading partners in the bargain.

Previous Presidents weren't "too weak" to do this. Previous Presidents NEGOTIATED a nuclear limitation treaty without dropping a single bomb or risking World War III. Trump tore up the negotiated agreement in his first term, and he assassinated the Iranian Minister of Defense, in an effort to start a war with Iran in his first term.

Trump has been trying to start a war with Iran since his first term in office. This war is both illegal, and the dumbest Trump policy ever.

Stupid, poorly planned, and a complete failure. Trump at his finest.

What a LOSER!
 
15th post
One of your dumbest posts ever, and that's saying something.

Trump isn't "doing the world a favour". He's doing the opposite - disrupting the world's economy, driving up the price of oil, and getting NOTHING in return. He's driving the rest of the world into the waiting arms of the Chinese, and lost all of your former allies and trading partners in the bargain.

Previous Presidents weren't "too weak" to do this. Previous Presidents NEGOTIATED a nuclear limitation treaty without dropping a single bomb or risking World War III. Trump tore up the negotiated agreement in his first term, and he assassinated the Iranian Minister of Defense, in an effort to start a war with Iran in his first term.

Trump has been trying to start a war with Iran since his first term in office. This war is both illegal, and the dumbest Trump policy ever.

Stupid, poorly planned, and a complete failure. Trump at his finest.

What a LOSER!
An Iran without nukes is a vital benefit to world economic stability. Democrats didnt have the balls or brains to stop it. Obama and Biden both tried to appease and bribe Iran and were made fools of. Trump has changed the balance of power in the ME united moderate Arabs and Jews with America and isolated Iran. Thats astounding. Oil will drop when the war resolves in less than a month. The economy takes off the DOW takes off and Trump succeeds where democrats failed.
 
And how is that any different than Trump's conduct as president?

It's time for you to take your blinders off.
Trump complied with every court ruling and eventually won in the SC. Now democrats want to pack the SC. So much for the rule of law. They tried to pack the population with illegals to offset population loss in their states. They lie manipulate rig their own primaries and still fail. The democrats are in a death spiral and too dumb to see it.
 
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