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User: DhimmiTube666

Fannie & Freddie: The Real Story Behind The Economic Crisis Sometimes the greatest blame comes from great praise when viewed in hindsight. The Los Angeles Times proves that with an article from 1999 heaping praise on the very people most responsible for the credit-market meltdown. Ronald Brownstein lauded the Clinton administration for boosting minority ownership by forcing lenders to offer better terms to marginally-qualified borrowers — and noted the financial creativity from Fannie Mae and Freddie Mac as a crucial component of Bill Clintons efforts. It also demonstrates why Congress mandated the failure of the lending system, and why it has to act to fix it. "It's one of the hidden success stories of the Clinton era. In the great housing boom of the 1990s, black and Latino homeownership has surged to the highest level ever recorded. The number of African Americans owning their own home is now increasing nearly three times as fast as the number of whites; the number of Latino homeowners is growing nearly five times as fast as that of whites. These numbers are dramatic enough to deserve more detail. When President Clinton took office in 1993, 42% of African Americans and 39% of Latinos owned their own home. By this spring, those figures had jumped to 46.9% of blacks and 46.2% of Latinos." Most people would agree that higher home-ownership rates are a positive sign in any community. They indicate investment in a community and commitment as well. Property owners have more of a stake in their cities and towns, and also typically support property rights in general. But how was this accomplished? Heres where that praise turns to condemnation: "Under Clinton, bank regulators have breathed the first real life into enforcement of the Community Reinvestment Act, a 20-year-old statute meant to combat redlining by requiring banks to serve their low-income communities. The administration also has sent a clear message by stiffening enforcement of the fair housing and fair lending laws. The bottom line: Between 1993 and 1997, home loans grew by 72% to blacks and by 45% to Latinos, far faster than the total growth rate." Requiring banks to serve their low-income communities. Thats shorthand for taking on more risk and lowering what had been standard prerequisites for purchasing homes. Normally, lenders would have demanded at least 10% down, and preferred 20%, and demonstration of stable income, of which the mortgage payments would not exceed 30%. Under threat of prosecution for bigotry, lenders had to start taking less-qualified borrowers as clients. But the government had a way for them to spread that risk throughout the investment community: "Lenders also have opened the door wider to minorities because of new initiatives at Fannie Mae and Freddie Macthe giant federally chartered corporations that play critical, if obscure, roles in the home finance system. Fannie Mae and Freddie Mac buy mortgages from lenders and bundle them into securities; that provides lenders the funds to lend more. In 1992, Congress mandated that Fannie and Freddie increase their purchases of mortgages for low-income and medium-income borrowers. Operating under that requirement, Fannie Mae, in particular, has been aggressive and creative in stimulating minority gains. It has aimed extensive advertising campaigns at minorities that explain how to buy a home and opened three dozen local offices to encourage lenders to serve these markets. Most importantly, Fannie Mae has agreed to buy more loans with very low down paymentsor with mortgage payments that represent an unusually high percentage of a buyers income. Thats made banks willing to lend to lower-income families they once might have rejected." Tags: Fannie Mae Freddie Mac Liberal Democrats Bill Clinton Barney Frank Barrack Obama Chuck Schumer

User: m1media

SNL Spoof - Tina Fey - Katie Couric - Sarah Palin Interview - Real Obama & Biden vs. Tina Fey Part 4 SNL Spoof - Tina Fey - Katie Couric - Sarah Palin Interview - Real Obama & Biden vs. Tina Fey Part 4 Tags: SNL Tina Fey Katie Couric Sarah Palin 2008 ad Barack Campaign Democrat John McCain Obama Political President Republican TV web Saturday Night Live

User: EpitaphRecords

Motion City Soundtrack - This Is For Real This Is For Real by Motion City Soundtrack (c) 2007 Epitaph Tags: MCS Motion City Soundtrack This Is For Real Alternative Epitaph

User: dasco1632

Cheryl Lynn - Got To Be Real great track!! hope you all enjoy this one Tags: Cheryl Lynn Got To Be Real

User: delaguer

R.E.M. - Losing My Religion this is R.E.M.'s biggest hit Tags: REM losing my religion

User: titoacho

La Etnnia - Real Exelente Video de un Exelente grupo La Etnnia, ojala sacaran mas videos.... REAL (Lyric) REALIDAD CLARA,REALIDAD OSCURA YO YO LO REAL SE DIBUJA ALGUNO CHUSA COMO AGUJA CUANDO EMPUJA TEMA OPRESOR QUE APRETUJA LA ETNNIA QUIUBO MITA, CUANDO NADIE NUNCA IMITA ALARMA SUENA Y TRUENA, ALERTA FUERTE Y GRITA Y DESBARATA CUANDO DE LA CALLE ES QUE SE TRATA ANALIZA Y RAZONA, PARAO EN UNA ZONA LA CALLE Y SU CORONA AL DEBIL NO PERDONA EN UN PEQUEÑO MUNDO DEAMBULANDO, MEITABUNDO PASANDO TRISTE POR LA CALLE EL VAGABUNDO CARGAS EL FRACASO TE HAN TIRADO UN LASO PASO A PASO VOY NARANDO PA QUE ENTIENDAN ESTE CASO DE TRISTESA, AGONIA CALLE Y DESESPERO PERO EL NO ES EL PRIMERO ATRAPAO EN ESTE GUETTO BAN BAN FUEGO SON LOS OJOS DEL CONCRETO Y NO ES QUE SEA UN SECRETO YA QUE MIRA ESE SUJETO YA QUE MIRA ESE SUJETO..REAL CAMINANDO POR LA NOCHE EN LA CIUDAD REAL PARCHADO EN LA MARGINALIDAD REAL EN LA ESQUINA DIVISANDO LA VERDAD ES REAL ES REAL...REAL CAMINANDO POR LA NOCHE EN LA CIUDAD REAL PARCHADO EN LA MARGINALIDAD REAL EN LA ESQUINA DIVISANDO LA VERDAD ES REAL ES REAL... INSENSIBLE AL CASO ES EL PROPIO CASO PARADA EN LA ESQUINA CON SU PASE COCAINA EN LA VUELTA ADRENALINA Y LA POLICE QUE SE AVECINA SUENAN LAS SIRENAS SUBETE PUES NENA TIENES UNA PENA OTRA PENA POR CUMPLIR APARTE DE SU ESTILO FORMA INFAME DE VIVIR TRASCURRE EL CASO EN LA REALIDAD OTRO PASO TENTATIVA DEL SUICIDIO INCENTIVADA POR EL FRACASO PISANDO EL AGUA PICHA EL PEON Y SU DESDICHA EN EL SEMÁFORO EL TRABAJA Y EL VIDRIO NADIE BAJA ES UN CIRCULO DE TRES SEIS CERO ESFERA POR EL NADIE APUESTA MUCHO MENOS QUIEN LO ESPERA INSENSIBLE CONCRETO Y NO ES QUE SEA UN SECRETO EL KAISER DE LA ETNNIA , MIS PARCEROS EN EL GUETTO A MIS PARCEROS EN EL GUETTO, ES REAL, ES REAL... REAL CAMINANDO POR LA NOCHE EN LA CIUDAD REAL PARCHADO EN LA MARGINALIDAD REAL EN LA ESQUINA DIVISANDO LA VERDAD ES REAL ES REAL... REAL CAMINANDO EN LA NOCHE EN LA CIUDAD REAL PARCHADO EN LA MARGINALIDAD REAL EN LA ESQUINA DIVISANDO LA VERDAD ES REAL ES REAL... RAPONAZO HUBO AQUÍ RAPONAZO HUBO ALLA CHIC CHIC PUYA (BAN) Y PAL MAS ALLA GRAMOS DE ORO EL COJIO Y APRETÁNDOLOS MURIO CANTA EL BORRACHO Y ES QUE ERA BUEN MUCHACHO NO SIRVE FUERA DE LA PEA HABLO EL TENIENTE SUCIO MOTHER FUKING POLICIA... ESO ES FRECUENTE UN HOGUERA EN EL PUENTE SE DICE QUE HAY UN PARCHE LLAMADOS DELINCUENTES TOMANDO AL CUPRE DEL CANNABIS CON RENCOR PARA VARIAR LA REALIDAD Y SUMERGIRSE EN SU DOLOR INSENSIBLE REALIDAD EN LA CRUENTA CIUDAD INSENSIBLE REALIDAD EN LA MARGINALIDAD SON LOS MUROS COBIJAOS DEL SILENCIO BAJO EL FRIO LIO TRAS LIO PERO NADA HA SUCEDIÓ TODO SIGUE NORMAL NADA HA PASADO SI TIENES PROBLEMAS LLAMA BREVE AL ABOGADO REAL CAMINANDO POR LA NOCHE EN LA CIUDAD REAL PARCHADO EN LA MARGINALIDAD REAL EN LA ESQUINA DIVISANDO LA VERDAD ES REAL ES REAL... REAL CAMINANDO POR LA NOCHE EN LA CIUDAD REAL PARCHADO EN LA MARGINALIDAD REAL EN LA ESQUINA DIVISANDO LA VERDAD ES REAL ES REAL... REAL CAMINANDO EN LA OSCURIDAD REAL CAMINANDO POR LA CLARIDAD REAL EN BUSCA DE CUAL ES LA VERDAD REAL HALLA EL BIEN, REAL HALLA EL MAL REALIDAD CLARA, REALIDAD OSCURA REALIDAD CLARA,REALIDAD OSCURA REALIDAD CLARA,REALIDAD OSCURA Tags: la etnnia real rap hip hop latino tito acho colombia music musica rimas

User: joshiiyO

Camp rock This is real this is me final Jam put in &fmt=18 at the end of the URL Demi lovato (mitchie) singing this is real,this is me at the final Jam camp rock all rights go to Disney Tags: Demi lovato this is real me

User: Animale19

Okkervil River - For Real Okkervil River's For Real music video Tags: Okkervil River For Real music video

User: darcy141

Real Car Crash -O-M-G- this is a real car crash beside my house!! -POST COMMENT PLEASE- Tags: crash car automobile auto crazy funny fun smash accident jackass autos vehicles vehiclecomedy people

User: universalmusicgroup

K-Ci & JoJo - Tell Me It's Real Music video by K-Ci & JoJo performing Tell Me It's Real with Tim Story, Ramsey Nichols, Vance Burberry, Joyce Washington (C) 1999 Geffen Records Tags: K-Ci JoJo Tell Me It's Real Geffen Tim Story Ramsey Nichols Vance Burberry Joyce Washington

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