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Society invents a spurious convoluted logic tae absorb and change people whae's behaviour is outside its mainstream. Suppose that ah ken aw the pros and cons, know that ah'm gaunnae huv a short life, am ah sound mind, ectetera, ectetera, but still want tae use smack? They won't let ye dae it. They won't let ye dae it, because it's seen as a sign ay thir ain failure. The fact that ye jist simply choose tae reject whit they huv tae offer. Choose us. Choose life. Choose mortgage payments; choose washing machines; choose cars; choose sitting oan a couch watching mind-numbing and spirit-crushing game shows, stuffing fuckin junk food intae yir mooth. Choose rotting away, pishing and shiteing yersel in a home, a total fuckin embarrassment tae the selfish, fucked-up brats ye've produced. Choose life. Well, ah choose no tae choose life. If the cunts cannae handle that, it's thair fuckin problem. As Harry Launder sais, ah jist intend tae keep right on to the end of the road...

Society invents a spurious convoluted logic tea absorb and change people whae's behaviour is outside its mainstream. Suppose that ah ken all the pros and cons, know that ah'm gaunnae huv a short life, am ay sound mind etcetera etcetera, but still want tae use smack? They won't let ye dae it. They won't let ye dae it, because it's seen as a sign ay thir ain failure. The fact that ye jist simply choose tae reject whit they huv tae offer. Choose us. Choose life. Choose mortgage payments; choose washing machines; choose cars; choose sitting oan a couch watching mind-numbing and spirit-crushing game shows, stuffing fucking junk food intae yir mooth. Choose rotting away, pishing and shiteing yourself in a home, a total fucking embarrassment to the selfish, fucked-up brats ye've produced. Choose life.

Society invents a spurious convoluted logic tae absorb and change people whae's behaviour is outside its mainstream. Suppose that ah ken aw the pros and cons, know that ah'm gaunnae huv a short life, am ah sound mind, etcetera, etcetera, but still want tae use smack? They won't let ye dae it. They won't let ye dae it, because it's seen as a sign ay thir ain failure. The fact that ye jist simply choose tae reject whut they huv tae offer. Choose us. Choose life. Choose mortgage payments; choose washing machines; choose cars; choose sitting oan a couch watching mind-numbing and spirit-crushing game shows, stuffing fuckin junk food intae yir mooth. Choose rotting away, pishing and shiteing yersel in a home, a total fuckin embarrassment tae the selfish, fucked-up brats ye've produced. Choose life.

Why is it that because ye use hard drugs every cunt feels that they have a right tae dissect and analyse ye? Once ye accept that they huv that right, ye’ll join them in the search fir this holy grail, this thing that makes ye tick. Ye’ll then defer tae them, allowin yersel tae be conned intae believin any biscuit-ersed theory ay behaviour they choose tae attach tae ye. Then yir theirs, no yir ain; the dependency shifts from the drug to them. Society invents a spurious convoluted logic tae absorb and change people whae’s behaviour is outside its mainstream. Suppose that ah ken aw the pros and cons, know that ah’m gaunnae huv a short life, am ay sound mind etcetera, etcetera, but still want tae use smack? They won’t let ye dae it. They won’t let ye dae it, because it’s seen as a sign ay thir ain failure. The fact that ye jist simply choose tae reject whit they huv tae offer. Choose us. Choose life. Choose mortgage payments; choose washing machines; choose cars; choose sitting oan a couch watching mind-numbing and spirit-crushing game shows, stuffing fuckin junk food intae yir mooth. Choose rotting away, pishing and shiteing yersel in a home, a total fuckin embarrassment tae the selfish, fucked-up brats ye’ve produced. Choose life. Well, ah choose no tae choose life. If the cunts cannae handle that, it’s thair fuckin problem. As Harry Lauder sais, ah jist intend tae keep right on to the end of the road …

Why is pain the emotion we so easily make our home? It’s like we sign up for the thirty-year mortgage on pain, but only do short-term leases or annual time-shares on pleasure.

We blame ourselves, our boss, the mortgage, the government, the school system. But it’s not really their fault. It’s the modern deal that we all signed up for on the day we were born. In the premodern world, people were akin to lowly clerks in a socialist bureaucracy. They punched their cards, and then waited for somebody else to do something. In the modern world, we humans run the business, so we are under constant pressure day and night.

What are your feelings from Bush to Obama? Besides being responsible for the death of half a million people, I feel like Bush dealt a huge economic and social blow to the USA, one from which we may never fully recover. He directly flushed 3 trillion dollars down the toilet on hopeless, pointlessly destructive wars in Afghanistan and Iraq …and they’re not even over! For years to come, we’ll be paying costs for all the injured veterans (over 50,000) and destabilizing three countries, because you have to look at the impact that the Afghan war has on Pakistan. Bush expanded the use of torture, and created a whole new layer of government bureaucracy (the “Department of Homeland Security”) to spy on Americans. He created Indefinite Detention (at Guantanamo and other US military bases) and expanded the use of executive-ordered assassinations using the new drone technology. On economic issues, his administration allowed corporations to run things and regulate themselves. The agency that was supposed to regulate oil drilling had lobbyist-paid prostitutes sleeping with employees while oil industry lobbyists basically ran the agency. Energy companies like Enron, and the country’s investment banks were deregulated at the end of the Clinton administration and Bush allowed them to run wild. Above all, he was incompetent and appointed some really stupid people to important positions at every level of government. Certainly, Obama has been involved in many of these same activities. A few he’s increased, such as the use of drone assassinations, but most of them he has at least tried to scale back. At the beginning of his first term, he tried to close the Guantanamo prison and have trials for many of the detainees in the United States but conservatives (including many Democrats) stirred up public resistance and blocked this from happening. He tried to get some kind of universal healthcare because over 50 million Americans don’t have health insurance. This is one of the leading causes of personal bankruptcies and foreclosures because someone gets sick in a family, loses their job, loses their health insurance (because American employers are source of most people’s healthcare) and they can’t pay their health bills or their mortgage. Or they use up all their money caring for a sick family member. So many people in the US wanted health insurance reform or single-payer, universal health care similar to what you have in the UK. Members of Obama’s own party (The Democrats) joined with Republicans to narrowly block “The public option” but they managed to pass a half-assed but not-unsubstantial reform of health insurance that would prevent insurers from denying you coverage when you’re sick or have a “preexisting condition.” The minute it was signed into law, Republicans sued in the courts (all the way to the supreme court) and fought, tooth and nail to block its implementation. Same thing with gun control, even as we’re one of the most violent industrial countries in the world. (Among industrial countries, our murder rate is second only to Russia). Obama has managed to withdraw troops from Iraq and Afghanistan over Republican opposition but, literally, everything he tries to do, they blast it in the media and fight it in Congress. So, while I have a lot of criticisms of Obama, he is many orders of magnitude less awful than Bush and many of the positive things he’s tried to do have been blocked. That said, the Democratic and Republican parties agree on more things than they disagree. Both signed off on the Afghan and Iraq wars. Both signed off on deregulation of banks, of derivatives, of mortgage regulations and of the energy and telecom business …and we’ve been living with the consequences ever since. I’m guessing it’s the same thing with Labor and Conservatives in the UK. Labor or Democrats will SAY they stand for certain “progressive” things but they end up supporting the same old crap... (2014 interview with iamhiphop)

Progressives needed a new idea, and Alinsky came up with one: force banks and financial institutions to loan money to unqualified applicants so that they can buy homes. Alinsky’s own idea was to terrorize the banks by having thousands of activists walk into banks and open up accounts of one dollar each, in effect paralyzing the bank’s normal operations. This became the model for a number of leftist groups that took up the cause of bank intimidation, notably an Alinskyite organization called ACORN. The ideological justification for this tactic was “social justice.” Starting in the 1970s, ACORN and other leftist groups protested that banks were “discriminating” against poor and minority home loan applicants. Even though such applicants had less wealth, less income, and less reliable credit histories, these groups insisted that banks should lower their lending standards to accommodate them. According to these activists, home ownership was a “right” and getting a mortgage to buy a home was a matter of “fairness.” In 1977, a liberal Democratic Congress obligingly passed, and President Jimmy Carter signed into law, the Community Reinvestment Act (CRA). This law, aggressively promoted by liberal icons like Senator Ted Kennedy and Senator William Proxmire, imposed on banks an “affirmative obligation” to make loans in their own neighborhoods, even if those neighborhoods were poor credit risks.

He runs a crew that’s been doing real-estate scams in Florida. They’d buy and sell the same house four or five times among themselves to jack up the price, take out a giant mortgage, and then walk away. That worked in boom times when houses were going up. Now they’re taking money to prevent foreclosures. The victim signs his house over to them.

mortgages, don’t give a flying fuck that their dads have lost their jobs and haven’t been able to find new ones. They don’t buy groceries, they don’t drive their grandmothers to physical therapy. They don’t remember the sound of their mother’s voice after a shift at the hospital when she says, I’m so tired. They aren’t fazed when we mention our worries at the sight of more MAKE AMERICA GREAT AGAIN signs populating the streets where we grew up. Instead, they stifle a yawn and say, Well. All we can do is move forward.

Investment firms are buying up more vacation homes, aiming to cash in on growing demand from tourists and remote workers. Most vacation rental homes are owned by small-time owners who list their properties on websites such as Airbnb Inc., but the number of financial firms investing in the sector is growing. New York-based investment firm Saluda Grade is launching a venture with short-term- rental operator AvantStay Inc. to buy about $500 million of homes, the companies said Tuesday. Saluda Grade said it is also looking to raise debt by selling mortgage bonds backed by its homes to investors, the first vacation-rental mortgage securitization, according to the company. Andes STR, a startup that buys and manages short-term rental homes on behalf of investors, also recently signed a deal with Chilean investment firm WEG Capital to buy roughly $80 million of properties in the U.S., Andes said. These investors are betting they can get higher returns if they rent out homes by the night instead of by the year. Low-interest rates have made it more attractive to borrow and Buy Traditional Rental Homes, inflating property prices and making it harder for new buyers to turn a profit. That has prompted some institutions and wealthy families to look in more obscure corners of the property market where competition is smaller, investment advisers say. Some are turning to investments in vacation homes, where demand has surged in many places during the pandemic as more people choose to work from remote locations and leisure travel heated up last year. “There’s a lot more yield available in the short-term market,” said Saluda Grade’s chief executive, Ryan Craft. It is the latest sign of how the pandemic is changing the way people work and live, and how real-estate investors are angling to find new ways to profit from these shifts. Saluda Grade is targeting homes within driving distance of major population centers, Mr. Craft said. His company will buy the homes and AvantStay will manage them for a fee. But while vacation-rental homes can offer higher returns, they also pose challenges to investors. Mortgages are usually more expensive and harder to get for short-term rentals than for owner-occupied homes, said Giri Devanur, CEO of reAlpha Tech Corp., a startup that wants to pool money from small-time investors to buy short-term-rental homes.

Something in me snapped, then. I was sick of people being hard on each other, being hateful and critical when there wasn’t any need for it. I was sick of mortgage companies sending bills you didn’t sign up for, and Mama acting like I’d always be a screwup, and working but never seeming to have enough money, and the world just taking one look and sticking you in a box and trying to keep you there. Maybe people, even people like Sesay, were more than what showed on the surface.

Unfortunately, the Bull that gilded Renaissance New York did little for most Americans. Eighties Wall Street was about institutional money released by deregulation, mergers and acquisitions, and, most of all, the debt that made it all possible. As John Kenneth Galbraith points out, financial euphoria always starts with new ways to borrow money; this time it was triggered by the Savings & Loan crisis. Volcker’s rocketing interest rates had forced S&Ls to offer double digits to new depositors while only getting back single digits on the old thirty-year mortgages on their books. S&Ls were going under, and getting a mortgage was nearly impossible, so in March 1980, with the banking system and the housing market on the brink, Carter had signed a law to allow them to issue credit cards, invest in commercial real estate, and offer checking accounts in order to stay in business. Reagan then took it a step further with a change that encouraged S&Ls to sell their mortgages in search of higher returns, freeing up a $1 trillion that needed to be invested in something. Which takes us back to Salomon Brothers, where in 1978 one Lew Ranieri had repackaged an old investment product the government had clamped down on during the Depression: A group of home mortgages all backed by government insurance would be bundled together, then sliced into bonds, thus converting the debt some people owed on their homes into an asset for others. Ranieri had been a bit ahead of the curve then—the same high interest rates that killed the S&Ls also made his bonds unattractive—but now deregulation let Salomon buy up the S&Ls’ mortgages at a deep discount, bundle them into bonds, and sell them back to the S&Ls who believed they’d diversified into the bond market when in fact they’d just bought ground meat made out of their own steaks. In June 1983, Salomon Brothers and Freddie Mac together issued the first collateralized mortgage obligation bonds (CMOs), which bundled up debt and cut it into tranches based on the amount of risk: you could choose between ground chuck and ground sirloin. It would be years before technology would allow doing this on a huge scale, but the immediate impact was that all kinds of debt, not just mortgages, were bundled, cut into bonds, and sold: credit card debt, car loans, you name it. Between 1983 and 1988, some $60 billion of CMOs were sold; GM’s financing arm became more profitable than its cars. America began to make debt instead of things. The

And, yeah, she had known when she signed the mortgage papers that she was agreeing to a certain degree of surveillance in exchange for finally living what she’d been raise to consider the American Dream. She had simply never considered that one day she might prefer waking up.

The record of legislation passed and signed into law is simply astonishing. March 9. Roosevelt signed the Emergency Banking Relief Act. March 20. Roosevelt signed the Economy Act, reorganizing the government and cutting salaries and the pensions of veterans—perhaps the most potent lobby in Washington at that time—to reduce expenses by $500 million. March 21. Roosevelt signed the Civilian Conservation Corps Reforestation Relief Act, to employ up to 250,000 young men in construction and environmental projects. March 22. Roosevelt signed the Beer-Wine Revenue Act, legalizing beer and wine with less than 4 percent alcohol and taxing it heavily to increase government revenue. April 19. Roosevelt took the country off the gold standard, demonetized gold by making gold coins no longer legal tender and recalling them to the Treasury, and forbidding citizens to hold bullion. The next year he devalued the dollar from $20.66 to an ounce of gold to $35.00. May 12. Roosevelt signed the Federal Emergency Relief Act to provide grants totaling $500 million to states to fund relief for the unemployed. May 12. Roosevelt also signed the Agricultural Adjustment Act to relieve farmers with measures to raise farm prices, limit production, and refinance farm mortgages. May 18. Roosevelt signed the bill authorizing the establishment of the Tennessee Valley Authority to develop the Tennessee River Valley by building dams that would provide electric power in seven states. May 27. Roosevelt signed the Federal Securities Act, which required full disclosure of pertinent information to investors, the first federal regulation of the securities business. June 5. Congress by joint resolution canceled clauses in contracts requiring payment in gold. June 6. Roosevelt signed the National Employment Act establishing the U.S. Employment Service to work with state employment agencies to help the unemployed find jobs. June 13. Roosevelt signed the Home Owners Refinancing Act establishing the Home Owners Loan Corporation, which was empowered to issue $2 billion in bonds to help nonfarm home owners keep their properties. June 16. Roosevelt signed the Banking Act of 1933, usually known as the Glass-Steagall Act after its congressional sponsors. It revolutionized American banking.

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