US US Politics General - Discussion of President Biden and other politicians

 

[Woe-B-Gon (TM)]

View attachment 5096559

Yeah, let me just write my credit card number on my driver's license and medic alert bracelet so whenever I need to show one I got to hand it ALL over.

 

[KingLiberty76]

Whitepill achieved.

I also forgot to mention that NC Supreme Court ruled that GOP gerrymandering is constitutional as well

 

[Antenna7]

Is this shit real or are you bastards fucking with me? It's like what a parody of a dystopian comercial would be!

Why so many people are choosing to be microchipped

Furturist Mathew Dickerson explains how microchips in humans could take conveniences in our daily lives to the next...

www.canberratimes.com.au

 

[General Emílio Médici]

The cattle will brand themselves. Such is the efficiency of the farm.

 

[Mr Bunny]

Actual fucking niggercattle. I am now convince Terry was a prophet sent by God.

 

[MrJokerRager]

Yeah, let me just write my credit card number on my driver's license and medic alert bracelet so whenever I need to show one I got to hand it ALL over.

Wait till people start getting robbed lol.

It will look something like this.

 

[Sock-to-Lurk]

Why so many people are choosing to be microchipped

Furturist Mathew Dickerson explains how microchips in humans could take conveniences in our daily lives to the next...

www.canberratimes.com.au

ID Microships seem like minor convinience weighted down by endless negatives
>Pros: you don't need a wallet anymore
>Cons: you give the government/corporations total surveillance of your life and an on-and-off switch for whatever services you might want to get
Is using a wallet/bag that detrimental to you that you'll be willing to submit the control of every second of your life to the government?
For a normal functioning human obviously not, but for niggercattle its not about the convinince is about fitting in and being part of the group.
Niggercattle are proud of being niggercattle and the more symbols of status they can flash the better wheter they actually work is secondary, like apple products

 

[Antenna7]

ID Microships seem like minor convinience weighted down by endless negatives
>Pros: you don't need a wallet anymore
>Cons: you give the government/corporations total surveillance of your life and an on-and-off switch for whatever services you might want to get
Is using a wallet/bag that detrimental to you that you'll be willing to submit the control of every second of your life to the government?
For a normal functioning human obviously not, but for niggercattle its not about the convinince is about fitting in and being part of the group.
Niggercattle are proud of being niggercattle and the more symbols of status they can flash the better wheter they actually work is secondary, like apple products

Well what happened in Sri Lanka when everything went to shit because they banned certain fertilizers so people started running out of food. They stormed the Presidential Palace and the President fled on a private jet.

Then the person who stepped in to replace him, was also a member of the World Economic Forum. Who then directed the authorities to fuck the rioters up.

 

[Ancient Pioneer]

Which leads us to, The Insanity. The left has gone insane, and while people on twitter can claim it's not happening or only on the fringes... it's everywhere and the normies do see it. And so if they see it everywhere. And then Biden (or his Admin which is just lumped in with Biden himself by the normies) goes and supports it. Publically.


The combination of these three things has been a steady and accelerating shift rightwards.

A few pages ago, but I want to poo poo this. We have seen the complete opposite of this when it came to voting in 2022. The voters may be trending rightward, but the voting is going leftward. Its telling that no matter how fucking shit the economy and life became over the past two years since 2020, the voters in PA slam dunked literal fucking dead people and grug into office. You can navel gaze at all of the figures and polling you want, but it doesn't translate into changed voting patterns.

 

[northstar747]

Well what happened in Sri Lanka when everything went to shit because they banned certain fertilizers so people started running out of food. They stormed the Presidential Palace and the President fled on a private jet.

Then the person who stepped in to replace him, was also a member of the World Economic Forum. Who then directed the authorities to fuck the rioters up.

Sri Lanka is such a good case study.

The goverment is corrupt. Also being a island nation it needs to import shit. To buy its imports its needs money others will take. AKA dollars.

They need fuel. Fuel to power their fishing boats, and to power refrigeration to store said fish.

So how do they get dollars what do they have to trade? Why tourism (thanks covid) and their cash crop is TEA.

Now the corrupt goverment was told told by the gates foundation to get ride of fertilizers, another import.

So now the production of food was cut by 3/4. so they just need 3/4 times more land to grow food but wait they grow tea to sell for cash to get fuel.

Thats why bigger countries had colonies a place doesnt have the resources to compete and end up a biger countries bitch.

 

[Justa Grata Honoria]

News from this clown world guys its not enough that you let in hordes of milllions coming but wait bidens are going to import them straight from the source

US opening new migrant centers in Latin America ahead of expected surge
Facilities in Colombia, Guatemala expected to process upwards of 5,000 people per month

https://www.aa.com.tr/en/americas/us-opening-new-migrant-centers-in-latin-america-ahead-of-expected-surge/2883326

I guess they need more kids to rape ? As if they aren't getting enough.

 

[Ancient Pioneer]

Sri Lanka started its downturn not because of corruption, but because of Islamic Terrorism. The Easter attacks in 2019 were a direct response to Breton Tarrant's mosque attacks in Christchurch. The side effect of these Easter Bombings was that tourism went into the drink and Sri Lanka lost a major method of getting foreign currency, the covid stuff was just doubling down on an already bad situation. Tarrant put himself in a small group of lone individuals like Gavrilo Princep that did terrorist actions that have led to nation states collapsing as a result of their attack.

 

[Gehenna]

A few pages ago, but I want to poo poo this. We have seen the complete opposite of this when it came to voting in 2022. The voters may be trending rightward, but the voting is going leftward. Its telling that no matter how fucking shit the economy and life became over the past two years since 2020, the voters in PA slam dunked literal fucking dead people and grug into office. You can navel gaze at all of the figures and polling you want, but it doesn't translate into changed voting patterns.

This is unnecessarily aggressive. I had not said people were voting more Republican but that their preferences were shifting Republican. Your post doesn't even conflict with mine and my post was about someone saying people moved to either end of the spectrum post-2020 and instead pointing out that an interesting thing was actually occurring.

You are correct, there is a difference between voting patterns and voting preferences. No naval gazing is required or happening and in fact I'd rather energetically go into a rather lengthy post about how despite the rightward shift of voting preferences not enough people by far are coming out to vote to show it. And could even theorize several reasons why.

Edit: Actually, reading my post again I fail to make this clear. mea culpa, you are right.

 

[JustSomeDong]

Listen to her. She'd marry Daddy Government if it was a physical being.

Undoubtedly while proclaiming herself to be a strong, independent woman who don't need no man.

A few pages ago, but I want to poo poo this. We have seen the complete opposite of this when it came to voting in 2022. The voters may be trending rightward, but the voting is going leftward. Its telling that no matter how fucking shit the economy and life became over the past two years since 2020, the voters in PA slam dunked literal fucking dead people and grug into office. You can navel gaze at all of the figures and polling you want, but it doesn't translate into changed voting patterns.

Plain ole fraud, with a side order of "If we make life as shitty as possible for the middle class, they'll start to need our meager gibs, and have no choice but to vote for us if they want their tugboats!"

That side order is basically how the WEF types plan to crank the pressure up. You won't be forced to eat the bugs or live in a pod, you'll just be priced out of any other options. Eventually, they won't need to even do that, as the population becomes accustomed to becoming niggercattle.

 

[General Emílio Médici]

You won't be forced to eat the bugs or live in a pod, you'll just be priced out of any other options. Eventually, they won't need to even do that, as the population becomes accustomed to becoming niggercattle.

Pretty much. The normies and NPCs have been brainwashed to think that forceful, sudden change is the only thing to fear. The entire reason for the "one day, for no reason at all" meme is around. Even with shit like the Russian Revolution and French Revolution they are taught to think of the tyranny that came of it as very sudden and declared honestly, and people just "fell for it". They don't mention how it slowly came to happen.

They literally did it with the Covid vaccine and people honestly fell for it to the point you have NPCs who were cheering to arrest people for not taking it day one now regurgitating "no one FORCED you to take it".

 

[Breadbassket]

Pretty much. The normies and NPCs have been brainwashed to think that forceful, sudden change is the only thing to fear. The entire reason for the "one day, for no reason at all" meme is around. Even with shit like the Russian Revolution and French Revolution they are taught to think of the tyranny that came of it as very sudden and declared honestly, and people just "fell for it". They don't mention how it slowly came to happen.

They literally did it with the Covid vaccine and people honestly fell for it to the point you have NPCs who were cheering to arrest people for not taking it day one now regurgitating "no one FORCED you to take it".

For the people implementing it tip-toeing into tyranny seems safer then running into it. The bulk of people may actually care if you don't do things gradually.

 

[Ancient Pioneer]

This is unnecessarily aggressive.

Perhaps I've come off a bit too hot, I tend to view talk of lines on graphs and projections in tables with contempt because they're never contextualized properly. You may be entirely correct that the entire country is getting pissed off with the tranny shit, garbage economy, incompetent President and administration. But this never seems to translate into voting because the graphs and tables do not account for intangible things like 20-30 years worth of "grrr red team literally evil incarnate" erecting mental barriers that prevent voters from even considering voting for the opposing team. Come 2024 some of these people will be seething with rage at how incompetent Biden is, to the point that they're practically willing to become terrorist over it. But they'll still vote for the Democrat party because the messaging has warped their minds so badly that Biden may be awful but Red team will be worse.

Plain ole fraud, with a side order of "If we make life as shitty as possible for the middle class, they'll start to need our meager gibs, and have no choice but to vote for us if they want their tugboats!"

This exists, and has always existed in elections. Its too easy an answer, and I don't like Republicans using it to excuse their bad faith actions regarding funding and promotion of candidates that they wouldn't prefer in the party because they don't praise Israel daily, and want to export every single job overseas.

 

[JustSomeDong]

This exists, and has always existed in elections. Its too easy an answer, and I don't like Republicans using it to excuse their bad faith actions regarding funding and promotion of candidates that they wouldn't prefer in the party because they don't praise Israel daily, and want to export every single job overseas.

I agree, completely. It wasn't an endorsement of anything, just my take on what it is in a short post. I'm a former Democrat, but I wouldn't call myself Republican. Its more of a grifters and charlatans to the right of me, the dregs of humanity and their enablers to the left of me, fuck it, I'm smoke a blunt and watch what happens kind of thing.

 

[CEO of Posting]

Biden raises costs for homebuyers with good credit to help risky borrowers

The administration's new rule will reduce mortgage fees for riskier borrowers but will be subsidized by borrowers with higher credit scores.

www.newsweek.com

Oh ok so I paid my bills on time, dug myself out of debt and repaired my credit score so I could hope to secure a mortgage, but now deadbeats, losers, and fuck ups get to have their mortgage rates reduced while middle class people like me subsidize their risky loans.

Didn't we already do this?

A new federal rule could raise the monthly mortgage payments of buyers with good credit scores by over $60 a month, while riskier borrowers will get more favorable terms because their fees will be reduced.

Starting in May, the current structure of the Loan-Level Price Adjustment (LLPA) matrix will be upended by the Federal Housing Finance Agency (FHFA) in the hope of addressing housing affordability challenges in the U.S.

But there have been complaints that the rule change is unfair and potentially ineffective.

"In the short term, this may increase homeownership among the targeted group, but I'm afraid it could decrease homeownership among the middle class," Jerry Howard, CEO of the National Association of Home Builders, told Newsweek. "I'm not sure that we're not robbing Peter to pay Paul here."

Only about 25 percent of homebuyers with Federal Housing Administration loans are people of color, according to the White House. Black and Hispanic people, on average, have fewer savings to use as a down payment on a home and tend to have lower credit scores, according to David Stevens, former CEO of the Mortgage Bankers Association (MBA) and a former FHA commissioner during the Obama administration. The current policy is being rolled out by the FHFA.

He told Newsweek that this can be attributed to factors like distrust in the banking system or being a first-generation American. He added that low credit scores can be a significant barrier to homeownership.

But in order for the FHFA to close the gap by bringing down LLPAs for those borrowers, the agency will compensate for the reduction in borrowing fees by raising the LLPAs of borrowers with higher credit scores, who tend to be white.


The average credit score in white communities was 727 in 2021, compared with 667 in Hispanic communities and 627 in Black communities, according to data analyzed by FinMasters, a personal finance blog.

A home for sale awaits prospective buyers on October 27, 2022, in Hollywood, Florida. Starting in May, homebuyers with a good credit score could see their monthly mortgage payment rise while riskier borrowers will get more favorable mortgage terms because their fees were reduced, under a new federal rule.JOE RAEDLE/GETTY IMAGES
The effort to get more low-income Americans and Americans of color into homeownership is essentially being subsidized by borrowers who have better credit scores and can contribute more to their down payment, Michael Borodinsky, a vice president at Caliber Home Loans, told Newsweek.

Borodinsky said while the plan was designed to help people who have historically faced obstacles to homeownership, it comes at the cost of negatively affecting buyers who worked hard to save enough money for a larger down payment and maintain a strong credit rating, especially since those buyers can "be of all demographics."

"This new rule unfairly penalizes Americans for having good credit and rewards those who accrue debt and don't pay their bills with cheaper loans," GOP Representative Michael Lawler of New York told Newsweek. "The way to expand access to housing isn't to reward bad credit—it's to bring down inflation, reduce property taxes, cut energy costs and invest in critical infrastructure."

Although the new rule, which takes effect May 1, is designed to assist low-income and minority borrowers by encouraging homeownership, industry experts have expressed concern that the plan fails to meet that goal.


Boomers dying out could lead to a colossal transfer of wealth

Stevens said that while the generational limitations on homeownership among racial groups in the U.S. need to be addressed, FHFA Director Sandra Thompson's actions weren't enough to lower borrowing costs to the point it will "make a difference."

"We just went through to this completely convoluted discipline around risk-based pricing in the hopes of accomplishing something that isn't going to be accomplished," he said.

However, in a statement shared with Newsweek, the FHFA defended the changes. It called the recalibration of its pricing framework "minimal" and stressed that the agency's goal of making sure that the government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac "fulfill their role in any market condition."

But former National Economic Council director Larry Kudlow said those GSEs have never "penalized" people who don't need government programs to help them own homes, calling the Biden administration's new rule a "middle-class tax hike."

"We learned the hard way [in 2008] that if you can't afford a home, just getting a subsidy one time to get a mortgage, you won't be able to carry it," Kudlow told Fox News on Thursday.

A spokesperson for the National Association of Realtors (NAR) told Newsweek that a GSE could still incentivize homeowners without punishing others and stressed that such a move is "especially needed" at a time when there is limited affordable housing "in all areas of the market."

"NAR urges the FHFA to eliminate the fee increase on strong credit borrowers," the spokesperson said.

Days later, Thompson addressed the changes in an April 25 press release, calling it a "misconception" that higher-credit-score borrowers were being charged more so lower-credit-score borrowers can pay less. She said that the updated fees do not represent "pure" decreases or increases and that the new rule was targeting borrowers with lower incomes, not lower credit scores.

"Many borrowers with high credit scores or large down payments will see their fees decrease or remain flat," Thompson said. "Some mistakenly assume that the prior pricing framework was somehow perfectly calibrated to risk—despite many years passing since that framework was reviewed comprehensively. The fees associated with a borrower's credit score and down payment will now be better aligned with the expected long-term financial performance of those mortgages relative to their risks."

Newsweek reached out to the White House for comment via email.

The timing of the upcoming LLPA changes is also "not ideal," given the spring buying season and low inventory, an MBA spokesperson told Newsweek. But the MBA is more concerned about another mortgage change: the addition of an LLPA for loans with a debt-to-income (DTI) ratio greater than 40 percent, which Borodinsky stressed is often a "moving target."

The DTI is calculated by taking a person's monthly debts, including minimum payments on credit cards and loans, and dividing it by that individual's income. The result is used to assess a person's ability to make the necessary monthly payments on a loan.

In a March 15 statement, MBA president and CEO Bob Broeksmit warned that because the DTI often fluctuates throughout the mortgage application and underwriting process, the new fees will further vary those estimates, thus "increas[ing] compliance costs and confus[ing] borrowers."

"[It] makes for a 'no win situation,'" Borodinsky said. "Especially because the borrower will feel that they were taken advantage of by the lender due to these changed circumstances."

After the MBA asked the FHFA to remove the DTI adjustment, the agency delayed the DTI ratio-based fee to August 1. But the MBA expressed disappointment that the FHFA is not considering alternatives to the new fees, which "simply are not workable for lenders and borrowers alike."

Stevens agrees and said: "This would just make things really difficult for the lending community and for potential homebuyers." He added that he's "hopeful" Thompson will gut the adjustment before it goes into effect during the summer.

 

[MrJokerRager]

To think men like this used to exist lol.