Why America Is Becoming More Divided

Explain the differences among all of the Democrats running to be president?

One of my pet peeves with the Feds is they churn out laws like making popcorn. I am sick of the ruling over us by Democrats.

 

Most professions have requirements that require on-going education to keep them appraised of the latest knowledge and laws pertaining to their professions. What SPECIFIC Dodd-Frank laws are you objecting to?

 

In my opinion, the primary function of "law" is to provide a fair, just, safe and stable society, within which people are able to exercise their individual freedoms and talents without fear. The major part of that is to reduce frictions between persons and settle those frictions (from murder to break of contract) in a court of law. As the density, of the population increases, it stands to reason that the number of human interactions will grow. Couple that to a more culturally diverse population, and the probability of "friction" increases. Also, add to both, the accelerating rate of technological change and you have the need for increasing the "rules of the game" or law.

 

This has been my business since 1971. I said since 1973, I have attended courses until at last CA due to my time as a Broker and my expertise, allowed me to stop with the education. As you say, much of it is over laws. And guess who churns out laws like no tomorrow? A major beef I have is with Democrats over that very fact. Which of them do I object to? Well as I stated, a renewal each year with a high cost to keep in business. Prior to that, as draconian as was CA, at least the license was cheaper and renewed every 4 years. While on this, Dodd Frank also created a major roadblock between the customer paying for the appraisal and the mortgage firm handling his loan. Prior, we Brokers had a list of appraisers that were trusted and approved by our major lenders. In my case I had been a licensed appraiser who had my own staff who I trained. I found the education appraisers arrived with was slipshod and I corrected their deficiencies. I was aghast and upset to learn later due to Dodd Frank from then on, I had to call some middleman who i did not know to get them to order said appraisals. This added cost to the consumer.

 

How the hell did my parents manage as young adults in the 1930s? God darn it, they just needed more and more laws.

Sadly in this country, Democrats churn out laws as were they M&Ms. Change the color sure. But the purpose is for Democrats to totally rule us.

Most people pay so little attention to what Congress does they think Congress is working for their benefit. Congress seldom does things for our benefit. Witness the crappy hearings conducted by Schiff.

 

By the way, that is not how your Democrats in congress see things.

 

PS, you evaded explaining the differences among the Democrats in the running for president.

 

Apparently, there was concern that the person doing the appraisal should not be the one brokering the loan, due to potential conflict of interest. You will remember that a big part of the Subprime Crisis was due to falling loan standards and the corruption of the lending process. You may now be paying the price of a few dishonest colleagues in the same business.

 

Trump continues to please Putin.

After rejecting American intelligence at Helsinki and siding with Putin over the Russian dictator's denial of Russian interference in our 2016 Presidential election, after ordering a retreat in Syria, allowing Russian troops to occupy American bases, and after blaming Ukraine, not Russia, for interfering in our 2016 Presidential election, Trump now threatens the good military order of the U.S. navy.

Trump's lackey, Secretary of Defense Mark Esper, fired Navy Secretary Richard Spencer. Spencer supported the navy's leadership in the case of Navy Chief Petty Officer Edward Gallagher. For that, Trump ordered Esper to fire the navy secretary.

The AP reports, "Defense Secretary Mark Esper has fired the Navy’s top official, ending a stunning clash between President Donald Trump and top military leadership over the fate of a SEAL accused of war crimes in Iraq.

"Esper said Sunday that he had lost confidence in Navy Secretary Richard Spencer and alleged that Spencer proposed a deal with the White House behind his back to resolve the SEAL’s case. Trump has championed the matter of Navy Chief Petty Officer Edward Gallagher, who was acquitted of murder in the stabbing death of an Islamic State militant captive but convicted of posing with the corpse while in Iraq in 2017."

One way or the other, Trump has to be removed from office.

It is surprising to many that Republicans do not reject this foolish and incompetent President. In a note of pure irony, Republicans attacked Colonel Vindman because he was so concerned about the July 25 phone call to Zelensky that he went immediately to the NSC chief counsel, bypassing his immediate superior, former senior White House national security official Tim Morrison. Republicans claim Vindman violated the chain of command.

Trump's interference in the judgment of the navy's courts martial and high command ultimately resulted in the firing of the navy secretary. Talk about disrupting the chain of command, causing the dismissal of the navy secretary tops everything.

Republicans in Congress say little or nothing about Trump's disruption of the navy's chain of command.

The same is likely to be true of Trump's dwindling number of Trump's fans. Most will ignore this analysis. A tiny number will read the analysis but are incapable of responding. Another tiny number will read the analysis and respond with a wisecrack or place equal blame on Hillary or Bill or Barack or all three. Why they continue their support of this foolish and incompetent President is a mystery.

They don't know, either.

 

Sorry...not intentional. At this point, the Democratic candidates run the gambit from left (Sanders) to the right (Tabi-somebody, from Hawaii), with everyone else somewhere in between. Personally, I am paying more attention to the Impeachment Inquiry than Democratic politics, and will focus more when the number of candidates becomes more manageable. My own preference is fluid at the moment, and will depend on the shifting status quo. I do think that the swing generally to the left is largely by the failure of past policies...most of which have been Republican, which began moving right with Reagan.

 

Good points. I cannot imagine how Republicans are going to run on a Pro-Putin Platform, with Trump as their candidate, in 2020?

 

Since I am the expert, tell me what your level of being an expert on this matter is?

The major problem that caused the crash was not we at the entry level of the loan process, but the institutions known as Fannie Mae and Freddie Mac.

I have expertise in sales of real estate as a Broker owner of a real estate firm, as an appraiser, and as a mortgage firm owner who had a staff of licensed people to work on loans with customers. When we say we have problems, do not be so quick to dismiss such problems. d

As an Appraiser, my task was to expertly perform appraisals that followed all law. Dodd Frank did not help.

As an Appraiser, our work was judged by peers. I in fact was hired by various wholesale lenders as an expert to evaluate other appraisers work product. Some of the appraisers I evaluated held Ph. D degrees though that was not really a need to do appraisals. My own work had been carefully analyzed by the many many wholesale lenders who had to rely on my appraisals. We were under the microscope constantly. Well ahead of Dodd Frank.

I notice Democrats in particular do not realize the intense education needed to be a Real Estate Broker or an appraiser or a Mortgage firm owner.

 

I am sorry to admit that though 81 and highly educated, you are speaking in terms I do not understand. Left and right? Why not simply state policy from Democrats vs policy from Republicans?

This reminds me of the parent discussing children. "My children are good and yours are bad." Based on what?

 

Great observations!
Glad you emphasized the word "INDIVIDUAL".
Perhaps that illusion is part of the problem.
When you look at another person...you see a form
different than your own. When they speak...
you hear beliefs that are different from your own.
Their childhood experience may be different from your own.
Does that make you an "INDIVIDUAL"?
No. Just a different form with different thoughts.
If you're honest enough...any problems
or discrepancies that you might perceive in them
you will find in you.

 

Why deceive? Putin as what? Our commander in chief?

Putin would laugh. Trump has hammered him in the mouth far more than Obama ever did.

 

One big reason is that most Republicans are not down with giving their tax dollars to pay for the health care of people who are here illegally. Every single Democratic candidate raised their hand. This is a worldview issue. Republicans see this as immoral and a slap in the face to legal immigrants and taxpaying citizens, Democrats disagree most vehemently and believe the immorality is on the right.



Another stat that matters to Republicans is that wage growth under Trump in three years is about the same as Obama/Bush combined over 16 years. That is a staggering amount of growth. Keeping that up for a few more years will pull many more people out of poverty, increase tax receipts and reduce entitlement payouts.

https://www.factcheck.org/2019/06/are-wages-rising-or-flat/

If you have money in the stock market, you have to love what has happened. I and my co-workers have all made a truckload of cash on this. For many of us, this stock market bull run has provided us enough money for retirement (unless we hold on too long and go over the cliff that surely must be coming).

Many Republicans hate socialists above all other groups. Most of the Democrats running are using language that comes off as socialist to Republicans and puts them into fight or flight mode. The socialist boogie man has NEVER been bigger and badder in conservative circles than it is now. They can't stop talking about it.

Many Republicans are starting to believe that the Democrats are openly anti-white, anti-Christian, pro-muslim and anti-straight. This is another theme that many conservative influencers are talking about. The right is as firmly emeshed in identity politics as the left at this point. Victimhood culture is fully engaged with on both sides, it really seems effective.

Many Republicans hate the fact that liberals control the mainstream culture, media and academia. They love when Trump punches them in the face. He says what they wish they could say to those with power. I have heard this sentiment many times by ordinary co-workers and also by conservative influencers. This is rather closely linked to the item above.

I can go on with Trump's attempts to build the wall, get out of the Middle East, get better trade deals, reduce bureaucracy, seat conservative justices, etc. but you get the point. Trump is doing things that his base see as helping them. As long as that remains the case, his supporters will never abandon him.

I wonder if you could compile a list like I have for your favorite Democrat candidate... I strongly doubt it.

 

An excellent evaluation. Yet I wager that the typical Democrat closes his eyes and refuses to pay attention. This is why they are doomed.

 

We all know the ending story. Trump will not be removed from office. So while I too pay attention to the farce hearings, I know the outcome and do not need a Ouija board to tell me what is going to happen.

I correctly analyzed the hearings as an active campaign far more worse than what the Russians did to unseat our president. This farce is pure campaign fodder.

 

Trump is part of the deep state

 

some on the right are just nutty, like this guy

"Rick Perry Calls Donald Trump The Chosen One Sent By God To Rule Over Us"

https://www.huffpost.com/entry/rick...BAirV9tDeMKdbhCbWkkK1TJ9LDQBdXiqYbXPkkgnM9SWX

 

What makes you say that? Do you have evidence linking Trump to the demonic deep state? As far as I can tell, the deep state is currently spearheaded by Obama, working both day and night to undermine Trump. Deep state is another term for "socialist revolution" and the outcome will not be good, I can assure you of that!

 

And Rick Perry also claimed that Obama was the Chosen one sent by God to rule over us. Tell the entire story.

I recall teachers teaching small children to pledge loyalty to Obama as he was the chosen one.

 

Will you at least admit that it was a miracle that Trump got elected in the first place? You dont think that was unprecedented?

If there is a God, he would certainly be backing Trump 100%. That means, while Trump is backed by him, the elite liberal democrats would then be backed by satan...

 

I have friends and family in the real estate business. I've read roughly two-three dozen books on the crisis and taken a Yale University On-Line economics course regarding it. Some of the books I've read are Greenspan's "The Age of Turbulence," Bernanke's "The Courage to Act," Paulson's "On the Brink," Bair's "Bull by the Horns," Sorkin's Too Big to Fail," Norberg's "Financial Fiasco," Geithner's "Stress Test," Baker's "Plunder and Blunder," Gramlich's "Subprime Mortgages," Sowell's "The Housing Boom and Bust," Friedman's "What Caused the Financial Crisis," Munchau's "The Meltdown Years," Foster & Magdoff's "The Great Financial Crisis," McClean's "Shaky Ground," Shiller's "The Subprime Solution," Roubini's "Crisis Economics," Tooze's "Crashed," Suskind's "The Price of Loyalty," Reinhart & Rogoff's "This Time Is Different," Tyler's "What Went Wrong," and, of course, "The Financial Crisis Inquiry Report," by the National Commission on the Causes of the Financial Economic Crisis in the United States."
I don't consider myself "an expert," but am probably sufficiently informed to carry- on a reasonable discussion of the crisis.

For instance, the idea that the GSEs were to blame is nonsense. Norberg writes, on page 41, "Even though the Bush administration had criticized Fannie and Freddie for their reckless risk taking, it inexplicably helped drive them further down that road by decreeing in October 2004, at the height of the lending craze, a drastic increase in their targets for the number of mortgages to low-income earners." He goes on to relate how the GSEs were caught between the threats of front-line mortgage lenders (many in California) to go to the commercial banks with their loans, where they could obtain a greater return and the GSE stockholders pressuring the GSEs for returns comparable to commercial lenders. As a result, they came to the party rather late in the crisis.
As it was, the GSEs ended up as the financial industry's "dumping ground" for bad loans. Paulson used his "bazooka" and put them into conservatorship in the Treasury, from where they were largely sold to the Federal Reserve, thus spreading the "pain" usually caused by a panic and crash, and leading to a slow, but reasonably steady recovery. Many blame Greenspan for not exercising his powers of the "shadow banking industry" and his belief that "free markets self-regulate." They don't. At least not without causing Mainstreet America a great deal of pain and suffering imposed by "the cheaters." And, Dodd-Frank was "the punishment" for that failure to "self-regulate."

 

Trump won with less votes, think if a God had a hand in it, he would have won with more votes than his opponent like Obama did