Did the GOP just get sandbagged by the Dems on the shutdown

Uncensored2008 said:
Is that what the hive programmed you to buzz, little drone?
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I am not the one that is claiming US citizens aren't Americans. That would the nice little cult member called Uncensored2008.

Real Americans don't say large groups of other Americans are not American. So why don't you exit your cult and join the rest of America?
 
zymurgy said:
nonsense. without inflation from fiat currency - and a central agreed on "rate" to adjust on, the entire purpose of an ARM loan didn't exist. but thanks for "trying". You can have an adjustable rate balloon loan or a fixed rate balloon loan - proving you are a dope

A balloon loan is a loan where:

  • You make small payments (often interest-only or amortized on a long schedule),
  • But the entire remaining balance comes due at once at the end (the “balloon payment”).

    An ARM is:
    • A mortgage with an interest rate that can change over time.
    • Starts with a fixed period (e.g., 5/1 ARM = fixed for 5 years),
    • Then adjusts annually based on market indexes.
    • No balloon payment at maturity


bwahahaha. just stop poser. if an individual defaults, the bank does not take possession - it is auctioned off - the bank gets full payment from the government, and the government - gets what it can from the open auction. Fannie and Freddie ARE government. this debate is about the 10, 15, 30, and now 50 year type of loans - BACKED BY GOVERNMENT
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bwahahaha

You think all, or even most loans go through Fannie of Freddie?

ROFL
 
Poor Richard Saunders said:
There is a lot of gnashing of teeth and moaning by the left about how the Dems caved to allow the shutdown to end. But is that really the case?

At the moment, the details of the continuing resolution (CR) the Senate will pass to end the shut down aren't completely known. What is known is that it won't be the exact bill passed by the house. This is what the NYTimes is reporting about the bill:
The compromise measure includes a spending package that would fund the government through January, as well as three separate spending bills to cover programs related to agriculture, military construction and legislative agencies for most of 2026. The package also includes a provision that would reverse layoffs of federal workers made during the shutdown and ensure retroactive pay.
It has also been reported that the CR will last through Jan 31. Another part of the deal is that Thune promised the Dems that he would bring up a bill to reinstate the ACA subsidies sometime before the end of December.

This could have several great results for the Dems.
1. The House will have to vote on this bill from the Senate which will result in seating the 218 House member signing on to force the vote to release the Epstein files. Imagine the GOP being forced to vote on the record to NOT release the files after demands from their base for that to happen.
2. The House will actually have to pass the Senate bill without changes and Trump will have to sign it. Failure of either of those will result in clear blame for the GOP. The Dems in the Senate are not required to vote for any House changes to the bill.
3. Trump will have to sign the bill that revokes all the firings his administration is doing in the last month making Trump look weak.
4. This gives the GOP only until the end of January to pass all the appropriation bills which they have not been able to pass so far. With taking weeks off for Thanksgiving, Christmas and New Years, they will likely only have about 4 weeks to pass those bills. If they don't pass them, they will have to try to pass another CR before the end of January to prevent another partial shutdown.
5. If another shutdown occurs not only will it clearly be the fault of the GOP, but the current legislation funds SNAP through the agriculture funding through the end of the year so that will not be a problem for Dems during a future shutdown. They will have no reason to compromise next shutdown.
6. If Thune reneges on his promise to allow a vote on the Dem bill, the Dems can point to that as proof that the GOP can not be trusted.
7. The increases in health insurance costs will be in place and the GOP will have either voted to not prevent it or avoided addressing the issue at all making them solely responsible.

The only way the GOP can possibly save themselves is to somehow prevent a shutdown next year by passing appropriations that they can defend. In order to get that through the Senate they will more than likely have to be through the reconciliation process which clearly places all the blame on the GOP for anything that is unpopular.

Personally, I don't see any way for the GOP to avoid another shutdown in February of next year without them giving some major concessions to the Democrats. Voters may not remember the shutdown from a year ago next November, but if there is an extended shutdown in February they certainly will remember and know exactly who is to blame.
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While i think all/most these things can occur as a result, i am not ready to credit the Dem's with a plan for it as opposed to it just being 'a result of'.

The Magat party (they are not the GOP anymore) will face a real bad up to and threw the midterms as inflation is going to continue to only track up, medical costs and other costs will only go up and up and Trumps authoritarian moves, and focus on Ballrooms and parties with the uber rich, all disconnecting him from almost all of the coalition of voters who moved to him last election. His only support is tracking towards ONLY his rabid base of about 30% again. Magats like the one on this forum who WOULD still support him even if he killed a random person on the street.

abwrh4.jpg
 
zymurgy said:
nonsense. without inflation from fiat currency - and a central agreed on "rate" to adjust on, the entire purpose of an ARM loan didn't exist. but thanks for "trying". You can have an adjustable rate balloon loan or a fixed rate balloon loan - proving you are a dope

A balloon loan is a loan where:

  • You make small payments (often interest-only or amortized on a long schedule),
  • But the entire remaining balance comes due at once at the end (the “balloon payment”).

    An ARM is:
    • A mortgage with an interest rate that can change over time.
    • Starts with a fixed period (e.g., 5/1 ARM = fixed for 5 years),
    • Then adjusts annually based on market indexes.
    • No balloon payment at maturity
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That is correct. A lot of balloon loans end up being ARMs because the time frame for the loan is shorter so less risk to the borrower.
zymurgy said:
bwahahaha. just stop poser. if an individual defaults, the bank does not take possession - it is auctioned off - the bank gets full payment from the government, and the government - gets what it can from the open auction. Fannie and Freddie ARE government. this debate is about the 10, 15, 30, and now 50 year type of loans - BACKED BY GOVERNMENT
Click to expand...
The government only guarantees FHA and VA backed loans. Those loans do not make up a majority of home loans. A rough estimate would be about 30% based on the following -

www.consumerfinance.gov

Summary of 2023 Data on Mortgage Lending | Consumer Financial Protection Bureau

This summary provides information about the data on 2023 mortgage lending transactions at U.S. financial institutions reported under the Home Mortgage Disclosure Act (HMDA).
www.consumerfinance.gov www.consumerfinance.gov
The overall government-backed share of such home purchase loans, including FHA, VA, Rural Housing Service, and Farm Service Agency loans, was 31.6 percent in 2023, up from 28.1 percent in 2022.
 
QP! said:
While i think all/most these things can occur as a result, i am not ready to credit the Dem's with a plan for it as opposed to it just being 'a result of'.

The Magat party (they are not the GOP anymore) will face a real bad up to and threw the midterms as inflation is going to continue to only track up, medical costs and other costs will only go up and up and Trumps authoritarian moves, and focus on Ballrooms and parties with the uber rich, all disconnecting him from almost all of the coalition of voters who moved to him last election. His only support is tracking towards ONLY his rabid base of about 30% again. Magats like the one on this forum who WOULD still support him even if he killed a random person on the street.

abwrh4.jpg
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I didn't say they had a plan. I am not going to credit them with playing chess while Trump is eating 3D chess pieces. I am merely pointing out that there may be a silver lining that we won't see right away.
 
Poor Richard Saunders said:
I am not the one that is claiming US citizens aren't Americans.
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No, you're the one defending outright terrorists who held millions of Americans hostage to extort $1.5 trillion for illegal aliens, NPR, and the insurance Mega-Corps.


Poor Richard Saunders said:
That would the nice little cult member called Uncensored2008.
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Is anyone who is not a drone of the hive in a "cult?" Does the hive name this cult "reality," which you drones must avoid at all cost?

Poor Richard Saunders said:
Real Americans don't say large groups of other Americans are not American.
Click to expand...

Those who take millions of Americans hostage and deny them the paychecks they need to survive as "leverage" aren't "real Americans," they are terrorists.

Poor Richard Saunders said:
So why don't you exit your cult and join the rest of America?
Click to expand...

Become enslaved as drone of your hive - never to think again and working to put an end to the American Constitutional Republic? It's tempting, but....
 
Poor Richard Saunders said:
That is correct. A lot of balloon loans end up being ARMs because the time frame for the loan is shorter so less risk to the borrower.

The government only guarantees FHA and VA backed loans. Those loans do not make up a majority of home loans. A rough estimate would be about 30% based on the following -
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A 10, 15, or 30 year mortgage not backed must still adhere to Fannie Mae / Freddie Mac guidelines
 
One of the more stupid comments EVAH here.

"No, you're the one defending outright terrorists who held millions of Americans hostage to extort $1.5 trillion for illegal aliens, NPR, and the insurance Mega-Corps."
 
Jake Starkey said:
One of the more stupid comments EVAH here.

"No, you're the one defending outright terrorists who held millions of Americans hostage to extort $1.5 trillion for illegal aliens, NPR, and the insurance Mega-Corps."
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I again ask the slithering snake - what GOP member flip flopped on this shut down vote?

We know the names of the democrats that did.
 
Stupid question. The GOP should never have shut down a government it controls.

A stinking Trump odor, ACA, and SNAP will give the dems a massive victory next year.
 
Jake Starkey said:
Stupid question. The GOP should never have shut down a government it controls.

A stinking Trump odor, ACA, and SNAP will give the dems a massive victory next year.
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hiss. jake the snake snarking

it took 60 votes to control a filibuster. so you are lying piece of shit
 
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