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User information for Arthur Dent

Real Name Arthur Dent   
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Nickname Wowbagger_TIP
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Signed On Apr 3, 2001, 22:20
Total Comments 3859 (Veteran)
User ID 9540
 
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News Comments > Morning Legal Briefs
35. Re: Morning Legal Briefs Oct 29, 2012, 23:23 Wowbagger_TIP
 
Beamer wrote on Oct 29, 2012, 22:30:
Wowbagger_TIP wrote on Oct 29, 2012, 22:24:
Beamer wrote on Oct 29, 2012, 20:40:
I sadly worked for a subprime mortgage company in the early 2000s. One of the better ones, sadly. No one was forcing anyone to give those loans, in fact the companies were bending over backwards. Did your numbers not work? We fired one sales manager for advising his loan officer to advise his customer to photoshop his pay stubs. That guy was rehired at a much bigger company in under a week.

No, everyone wanted to give bad loans (and, incidentally, get bad loans.) The thought was that everything would be consolidated, sold off in a package, and probably work out for the best. If not, well, by that point it was someone else's problem.

As it turned out, it was all of our problem. Pretty much everyone deserves blame here. Bankers. Loan officers. Borrowers. Bill Clinton. George Bush.
Don't forget Congress. Aside from the Bankers, who sure as hell should have known better, they are the most guilty. Banks are supposed to do the underwriting and not tell people they can afford more than they actually can, but I had that happen when I was looking for a house. Thankfully I had the sense to go with what I knew I could afford, and get a regular 30yr fixed mortgage, but a lot of banks were just telling people what they wanted to hear. That homes are a great investment and that they'll just keep going up in value, so it's no problem, and we've got this cool new type of mortgage so you can have affordable payments, etc.

It was fraud, fueled by greed, plain and simple, but a lot of people were too ignorant about finance and/or too greedy to care, so they signed for those stupid loans. Probably why Congress was so quick to bail out the banks too, as they were largely responsible for the laws that allowed it to happen. Of course they still caved to the banks afterwards and made sure to water down and stonewall all the reforms so that they banks stay fat and happy and still legally allowed to continue screwing with the economy.

Maybe the investment bankers should have, but they didn't. They didn't know better. Their models were too complex and faulty. And no one really knew.

But banks weren't underwriting these, subprime mortgage companies were. New regulations started originators, who would do the loan themselves then sell them. If no one would buy they loan they'd put them into scratch-and-dent, meaning they'd package a whole bunch of bad loans together and sell them off. Odds were only a small amount would foreclose. Turns out most did.


Yeah, you're right that they probably didn't actually know what was going on, at least not until it was too late. But everyone was doing things that were dumb and/or outright fraud. Either by duping the lendees, or by duping investors, or by duping ratings agencies, etc. Everyone thought they could make it someone else's problem. A lot of those packages were full of terrible loans and were still given AAA ratings and sold off as such. They were making so much money off of it that nobody cared. They just wanted their fat bonuses and someone else could deal with the fallout.
 
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"The whole problem with the world is that fools and fanatics are always so certain of themselves, but wiser people so full of doubts." -- Bertrand Russell (I think...)
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News Comments > Morning Legal Briefs
28. Re: Morning Legal Briefs Oct 29, 2012, 22:24 Wowbagger_TIP
 
Beamer wrote on Oct 29, 2012, 20:40:
I sadly worked for a subprime mortgage company in the early 2000s. One of the better ones, sadly. No one was forcing anyone to give those loans, in fact the companies were bending over backwards. Did your numbers not work? We fired one sales manager for advising his loan officer to advise his customer to photoshop his pay stubs. That guy was rehired at a much bigger company in under a week.

No, everyone wanted to give bad loans (and, incidentally, get bad loans.) The thought was that everything would be consolidated, sold off in a package, and probably work out for the best. If not, well, by that point it was someone else's problem.

As it turned out, it was all of our problem. Pretty much everyone deserves blame here. Bankers. Loan officers. Borrowers. Bill Clinton. George Bush.
Don't forget Congress. Aside from the Bankers, who sure as hell should have known better, they are the most guilty. Banks are supposed to do the underwriting and not tell people they can afford more than they actually can, but I had that happen when I was looking for a house. Thankfully I had the sense to go with what I knew I could afford, and get a regular 30yr fixed mortgage, but a lot of banks were just telling people what they wanted to hear. That homes are a great investment and that they'll just keep going up in value, so it's no problem, and we've got this cool new type of mortgage so you can have affordable payments, etc.

It was fraud, fueled by greed, plain and simple, but a lot of people were too ignorant about finance and/or too greedy to care, so they signed for those stupid loans. Probably why Congress was so quick to bail out the banks too, as they were largely responsible for the laws that allowed it to happen. Of course they still caved to the banks afterwards and made sure to water down and stonewall all the reforms so that they banks stay fat and happy and still legally allowed to continue screwing with the economy.
 
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"The whole problem with the world is that fools and fanatics are always so certain of themselves, but wiser people so full of doubts." -- Bertrand Russell (I think...)
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News Comments > Morning Legal Briefs
23. Re: Morning Legal Briefs Oct 29, 2012, 18:45 Wowbagger_TIP
 
Bodolza wrote on Oct 29, 2012, 17:00:
Going by what's been written, I have to believe that Axis is either a troll, or just insane. No one can be this disconnected from reality and still be considered sane. Either way, I don't see any point in arguing. The sad thing being that his vote counts just as much as mine. Some days I think the Electoral College is a good idea.
His vote could count for a lot more than yours, depending on what state he lives in.
 
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"The whole problem with the world is that fools and fanatics are always so certain of themselves, but wiser people so full of doubts." -- Bertrand Russell (I think...)
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News Comments > Morning Legal Briefs
22. Re: Morning Legal Briefs Oct 29, 2012, 18:44 Wowbagger_TIP
 
Axis wrote on Oct 29, 2012, 16:59:
Only the die-hard libs won't admit a simple fact (of which you state you aren't):

When you force banks to offer loans to people who cannot pay them back, and the gov't say they'll back them ALL... KABOOM, welcome to America's bust.

Now this was caused by both both parties, but the vast majority of "what caused it" lies in the Gov't guaranteeing bust loans in first place. Read up on it, I did all that years ago.
Oh god... here we go with the "banks were forced to make lousy loans" crap. No, they weren't. Not only that, but the CRA only covered a fairly small percentage of the crappy loans that were made. Most of the stupid loans had nothing at all to do with it. Nor does it explain the fact that they were making as many loans as they possibly could, even foregoing underwriting to speed up the process.

Now you say it was caused by both parties, but you sure weren't saying that before. What lead to the ridiculous loans was the ability to package them into securitizations which they could then insure via credit default swaps, thereby giving the illusion of no downside. Thing like the CFMA of 2000 allowed AIG to essentially print money by selling insurance on these "AAA" securitized mortgages with no requirement for maintaining any sort of reserve that any real insurance company would have. So when the shit hit the fan, AIG couldn't cover even a fraction of the liability they took on, we see that the banks were lying about the "AAA" ratings, and the ratings agencies are worse than useless, and the whole thing comes crumbling down.
 
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"The whole problem with the world is that fools and fanatics are always so certain of themselves, but wiser people so full of doubts." -- Bertrand Russell (I think...)
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News Comments > Morning Legal Briefs
16. Re: Morning Legal Briefs Oct 29, 2012, 16:47 Wowbagger_TIP
 
Axis wrote on Oct 29, 2012, 11:48:
If anything, it's shitty politically correct loose laws that allow stupid shit like this to happen - which comes primarily from liberal legislation AKA largest housing bust in history.

Right. Largest housing bust in history, preceded by 10 years of Republican rule.

Axis wrote on Oct 29, 2012, 16:25:
eDave wrote on Oct 29, 2012, 16:16:
Axis: "And UN control is exactly a liberal thing, you won't see any republicans advocating shit like that"

The actual article: "US officials say placing the Internet under UN control would undermine the freewheeling nature of cyberspace, which promotes open commerce and free expression, and could give a green light for some countries to crack down on dissidents."

The current administration is against it dumbass.

I don't give a shit what the current admin thinks, they were a hairs ass away from going all in with SOPA and PIPA, and there were dipshits from both sides supporting it. CONTROL of others is a liberal thing, unless your talking about controls that affect themselves.
Republicans have been pushing for crap like SOPA/PIPA for years as well, and these are hardly the only kinds of bullshit laws that both sides push for.
 
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"The whole problem with the world is that fools and fanatics are always so certain of themselves, but wiser people so full of doubts." -- Bertrand Russell (I think...)
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News Comments > Morning Safety Dance
7. Re: Out of the Blue Oct 29, 2012, 16:22 Wowbagger_TIP
 
The message from anon was retarded. While I don't give a shit about Zynga, this certainly isn't going to help anyone job-wise. Seems like some kids who don't know what they're talking about.  
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"The whole problem with the world is that fools and fanatics are always so certain of themselves, but wiser people so full of doubts." -- Bertrand Russell (I think...)
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News Comments > Sunday Legal Briefs
48. Re: Sunday Legal Briefs Oct 29, 2012, 16:15 Wowbagger_TIP
 
There's a certain line when it comes to offensiveness. You crossed it. Plenty of others have crossed it before as well, and I've seen plenty of posts removed because of it.

Judging from conservative media though, conservatives tend to have a rather severe persecution complex. Anytime they get their feathers ruffled, suddenly there's a war against something they hold dear.
 
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News Comments > Sunday Legal Briefs
46. Re: Sunday Legal Briefs Oct 29, 2012, 15:45 Wowbagger_TIP
 
Axis wrote on Oct 29, 2012, 15:41:
I'd love to know why my post was removed...

I've read some pretty hardcore shit here and my post certainly was not one.

I suspect it was mostly due to your last paragraph, which, in addition to being incorrect, was also highly offensive. But then you knew that.
 
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News Comments > Sunday Legal Briefs
45. Re: Sunday Legal Briefs Oct 29, 2012, 15:43 Wowbagger_TIP
 
Mr. Tact wrote on Oct 29, 2012, 15:25:
I didn't read all the posts in this topic, I got tired after the first 20 or so. Anyway, I just wanted to comment that if you want to try to understand politics in the US you first need to realize this:

In a June 2012 Gallup poll in the US, 46% of the respondents said they thought the Earth was only 10,000 years old.

When you start there... well, there isn't much to say.

I shudder to think of the percentage of GOP congressmen that would answer that way too. It definitely does explain why they seem to be living in an entirely different reality than the rest of us.
 
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News Comments > Sunday Legal Briefs
42. Re: Sunday Legal Briefs Oct 29, 2012, 14:41 Wowbagger_TIP
 
Verno wrote on Oct 29, 2012, 13:38:
Wowbagger_TIP wrote on Oct 29, 2012, 13:20:
That study was pretty pointless. I think people at either extreme are pretty nuts, but I think that conservatives tend to define anyone to the left of their position as extreme anyway. Obama is a centrist by any objective measure, yet conservatives try to paint him as a some kind of radical socialist extremist. It's utterly ridiculous, but that certainly doesn't seem to bother them.

Don't paint us all with the same brush. The vast majority of Conservatives I've met are quite moderate and do not do what you claim there. I am fairly Conservative and I wouldn't either. I have nothing but indifference for many extreme Conservative points and I think religion is an utter waste of time and money. That said, the left has its own closet full of villains and extremists just as we do. Some ideas are just inherently liberal or rooted in socialism, I'm not saying that is a Bad Thing either. I really do want a national health care system, I just don't like the way Obama has attacked the problem, not that Romney necessarily has a great solution either.

Just like Democrats aren't defined by their extreme left, don't define Conservatives by the extreme right.

First of all, I'm not a Democrat nor a conservative, nor a liberal. I'm an independent that leans right on some things, like gun control, tax code and education, left on others like gay marriage and abortion, and libertarian on some things like the drug war. I don't fall neatly into any category.

Maybe I am painting with too broad a brush, but since the spokespeople for "conservatives" today are either insane themselves, or at least siding with those who are, it's difficult to determine whether there actually are any moderate conservatives left. I assume that if there are, they are the fabled swing voters, and I would hope they're leaning to Obama on this one, as I'd rather not have to endure all the crazy that will come tagging along with a Romney administration. Republican candidates can't seem to go more than a few days without saying something offensive or just plain crazy. We've got enough assholes and morons in Congress already. We don't need more and we don't need to further enable those that are there.

 
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"The whole problem with the world is that fools and fanatics are always so certain of themselves, but wiser people so full of doubts." -- Bertrand Russell (I think...)
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News Comments > Sunday Legal Briefs
40. Re: Sunday Legal Briefs Oct 29, 2012, 13:20 Wowbagger_TIP
 
Axis wrote on Oct 29, 2012, 12:46:
Here's a study from your liberal news that proves you're wrong in entirety:
NYT Study 2012

Not that I give a shit about studies, life experiences cannot be taught -- most of my liberal friends are largely pessimist and quick to blame others for their own problems. I have a rich liberal associate who readily admits she "Can afford to be liberal", which says all oh so much more than most liberals could comprehend.

So ya Cutter, you just proved to me you are 100% bred Liberal parrot.

Insulting and labeling while pointing out supposed studies and timelines in a pretentious "matter of fact" way -- without presenting a single study or timeline even when specifically asked multiple times.

That, Cutter, is EXACTLY what liberals are. I did miss out the largely uneducated, government dependent, mostly atheist, GimmeGimmeGimme mentality, always at the ready "blame finger", pro murdering unborn children, etc etc, but you get the picture.

That study was pretty pointless. I think people at either extreme are pretty nuts, but I think that conservatives tend to define anyone to the left of their position as extreme anyway. Obama is a centrist by any objective measure, yet conservatives try to paint him as a some kind of radical socialist extremist. It's utterly ridiculous, but that certainly doesn't seem to bother them.

Most of Obama's "liberal" positions are things that Republicans were supporting in recent decades. Since Republicans keep marching to the right though, they think they can keep redefining the center as where they happen to be at the moment. It's bizarre.

The Republicans always speak of freedom and liberty, but only for those that are at least mostly like themselves. Religious freedom for Muslims? No way. We can prohibit them from building a mosque to replace an old building because we think it's too close to Ground Zero. Screw their religious freedom, freedom to assemble, freedom to purchase property and make use of it. All the while supporting Bush and his best buddies the Saudis, where most of the 9-11 terrorists were from. All the while supporting the rights of conservatives and Christians to say and do things that are offensive because the Constitution protects their speech. But when it's something they don't like, then it's fuck the Constitution, we don't like those guys. They're anti-American, blah blah blah. Conservatives seem to live in a permanent state of cognitive dissonance.

 
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"The whole problem with the world is that fools and fanatics are always so certain of themselves, but wiser people so full of doubts." -- Bertrand Russell (I think...)
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News Comments > Sunday Legal Briefs
37. Re: Sunday Legal Briefs Oct 29, 2012, 12:04 Wowbagger_TIP
 
Mashiki Amiketo wrote on Oct 29, 2012, 11:21:
nin wrote on Oct 28, 2012, 20:05:
I'm just going to toss this in here and run.


Oh look, another pretentious Hollywood liberal trying to tell people what's best. Gee, you'd think that people would have learned to ignore them by now, especially when they use DNC talking points.
Oh look, someone who thinks it's ok to dismiss other people's opinions out of hand, or based on what they do for a living, rather than actually present an argument. I guess I need to learn to ignore people like you. I bet that that guy has created a hell of a lot more jobs than Romney or Ryan have.

 
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"The whole problem with the world is that fools and fanatics are always so certain of themselves, but wiser people so full of doubts." -- Bertrand Russell (I think...)
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News Comments > Sunday Legal Briefs
29. Re: Sunday Legal Briefs Oct 29, 2012, 01:40 Wowbagger_TIP
 
Kitkoan wrote on Oct 28, 2012, 23:43:
From what I understand, the problem isn't if the country is becoming socialist and if that's a bad thing but more that the county Is now less and less of a capitalist national and more of a crony capitalist nation.

And crony capitalism is nothing like capitalism and will kill a nation and everything the USA ever stood for.
Also a byproduct of our crazy election system.
 
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News Comments > Sunday Legal Briefs
27. Re: Sunday Legal Briefs Oct 28, 2012, 23:33 Wowbagger_TIP
 
eRe4s3r wrote on Oct 28, 2012, 23:09:
With socialism you also get Germany, which last time I checked is still the Nr. 1 economy of Europe with one of the highest standards of living, healthcare, education and technology you can find on the planet. Which is a direct result of Germany's socialist capitalist free market model.

Greece on the other hand, is not a failed state because of socialism but because of total and utter corruption and mismanagement, corruption that goes down to the lowest citizen. And secondly, because of a living standard that they took for granted thanks to the EU, that they could never actually support by their own economic power. The same is true for Spain, Italy, Ireland and Portugal while others did not mismanage and did not live over their level and are now in a great growth situation, or at least no recession.

Also America was the greatest power in the world.. in cold war. Now that label fits only for China. The only reason China is currently not completely dominating everything is a internal self-centered government where the political class rather wants to keep to power at all costs than do anything externally.

Your super awesome army obviously doesn't help pay the bills. In fact the army is the greatest and most wasteful state employee there is, so one wonders how you call that free market - the government is paying soldiers, and the government pays for military tech, not the free market. The military industrial complex that is the sole reason for your strong military is the exact thing you are arguing against.

Just try eliminating some unnecessary or wasteful program and you'll see that state and district's congresscritters, whatever party they're from, work themselves into a frenzy decrying those who would dare to hurt jobs or small business or whatever else they can come up with. Look how quick Romney was to exploit the smaller number of ships we have to try to scare people in the shipbuilding states. Government doesn't create jobs, except when it does! Screw the whole bunch of hypocrites.
 
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News Comments > Sunday Legal Briefs
22. Re: Sunday Legal Briefs Oct 28, 2012, 22:32 Wowbagger_TIP
 
Axis wrote on Oct 28, 2012, 22:15:
Cutter wrote on Oct 28, 2012, 22:02:
Axis wrote on Oct 28, 2012, 21:06:
America became the greatest superpower in the world due to a capitalist free market economy and a constitutional republic. We accept all cultures from all nations and have the strongest military in the world.

With Socialism, you get Greece.

Now you can drone on all those lib talking points that CNNMSNBCABC media throw at you, but you won't admit what I stated is true since liberalism is shrouded in keeping people down, ill-informed, and in denial.

See, this is the problem with right-wing cognitive disconnect and a lack of historical education. America was at the height of its power when its taxation and control on the rich and the corporations were highest - 50% - and most of the working public were involved in trade-unions. It produced quality goods and sold them to the world. Trickle-up economics works, trickle-down doesn't.

The elites didn't much care for this so set about changing it. They repeat the big lie - socialism is bad - your ilk believe it after hearing it so long. So it's not long before there's massive deregulation, free trade - which ships all your jobs overseas, and shifting the tax burden to the middle and lower class. And now you have America today which makes nothing, is in debt up to its eyeballs, and is a shadow of its former self.

This is what happened in Greece and in Spain. That is, and always has been, the fault of the right and the sheeple that swallow their bullshit. Like any good right-wing sheep you certainly won't let the facts stand in the way of your irrational and hypocritical beliefs. You're the very definition of that asshole protesting the democrats telling the 'socialists' to 'keep their damn hands off his medicare'. Lol! Jesus, you guys that complain the loudest wouldn't survive two weeks without the government.

How many were on welfare and foodstamps during your unspecified "height of power"? Go ahead, find the answer then try again.
Is that some kind of argument? "Go find some information that I have deemed important as a rebuttal, even though I'm implying that I already have this information but choose not to share it."
 
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"The whole problem with the world is that fools and fanatics are always so certain of themselves, but wiser people so full of doubts." -- Bertrand Russell (I think...)
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News Comments > Sunday Legal Briefs
18. Re: Sunday Legal Briefs Oct 28, 2012, 22:24 Wowbagger_TIP
 
Axis wrote on Oct 28, 2012, 22:17:
Agent.X7 wrote on Oct 28, 2012, 22:12:
You're all arguing which turd is tastier for you. Democrats and Republicans are 2 sides of the same coin. They both stand for personal wealth and power for themselves, and screw everyone else. They just serve you the turd with different dressing, and you lap it up because you don't know any better than to argue over politics like it's a god damn sport and you're defending your favorite team.

Obama = wants to fuck you for his own benefit.
Romney = wants to fuck you for his own benefit.

How do people not see this?

Because you are wrong.

Actually he's not wrong. It's just that we only have the option of one turd or another because we have a completely retarded election system. Well, not completely, because it serves those that designed it quite well, but retarded from the perspective of the vast majority of us that it certainly does not serve.
 
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News Comments > Sunday Legal Briefs
12. Re: Sunday Legal Briefs Oct 28, 2012, 21:46 Wowbagger_TIP
 
Axis wrote on Oct 28, 2012, 21:06:
America became the greatest superpower in the world due to a capitalist free market economy and a constitutional republic. We accept all cultures from all nations and have the strongest military in the world.

With Socialism, you get Greece.

Now you can drone on all those lib talking points that CNNMSNBCABC media throw at you, but you won't admit what I stated is true since liberalism is shrouded in keeping people down, ill-informed, and in denial.

This seems appropriate:
http://newharmonywatch.com/wp-content/uploads/2012/10/nhw-bush-in-hiding-2.jpg

Define socialism, because the Republicans sure can't seem to. They're like dancing monkeys trying to explain why they support some "socialist" policies and not others. Maybe it's time to admit that nobody in either party is really a socialist in the pejorative sense that they use the word.

I also fail to see how anything you've said makes an argument for electing Republicans anyway. Republicans were running things for 10 years before we had the financial crisis. If there's any failed economic policies to be indicted here, they are Republican policies. They can spend ten years wrecking the economy, and then scream about how Obama hasn't fixed everything in four? The Dems have fucked up on a lot of things too, but pinning the blame for the economy on them is largely bullshit.
 
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"The whole problem with the world is that fools and fanatics are always so certain of themselves, but wiser people so full of doubts." -- Bertrand Russell (I think...)
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News Comments > Evening Safety Dance
1. Re: Evening Safety Dance Oct 25, 2012, 00:04 Wowbagger_TIP
 

So people think Jesus will save their computer too?
 
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News Comments > Into the Black
7. Re: Into the Black Oct 24, 2012, 15:02 Wowbagger_TIP
 
Sepharo wrote on Oct 24, 2012, 02:01:
Wowbagger_TIP wrote on Oct 24, 2012, 00:39:
Sepharo wrote on Oct 23, 2012, 22:32:
So what did all you independents think of the "Third Party" debate tonight?
I think it was like the pres debating himself for the most part. I cringed when he made that corny 80s foreign policy joke though. Ouch.

I kinda of expected this to happen but... Reread the sentence again, pay close attention to the quotes.

It is a rather fitting response though given the topic

Hah... yeah... guess that's what i get for skimming I just read about that one. Didn't realize they were even having debates. As long as we have this retarded election system though, they're gonna be sidelined or spoilers at best.
 
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"The whole problem with the world is that fools and fanatics are always so certain of themselves, but wiser people so full of doubts." -- Bertrand Russell (I think...)
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News Comments > Newer AMD/ATI Catalyst Beta
3. Re: Newer AMD/ATI Catalyst Beta Oct 24, 2012, 09:45 Wowbagger_TIP
 
Ripperjack wrote on Oct 24, 2012, 09:21:
Fantaz wrote on Oct 24, 2012, 02:58:
Funny, they called it the "never settle" driver...

Indeed. I'll never settle for ATi again, and go team green from now on!

I've had ATI/AMD for the last few cards I've owned, and aside from one card's 3D capability dying, I haven't had any problems. Of course I've heard horror stories about both ATI and NV, so I just do a lot of research on the current cards before I buy. Maybe it helps that I don't tend to buy on the bleeding edge either. My current card is an Asus HD7850 DirectCU II 2GB. Had it for a good 6 months or so now. No problems so far.
 
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"The whole problem with the world is that fools and fanatics are always so certain of themselves, but wiser people so full of doubts." -- Bertrand Russell (I think...)
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