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l****z
发帖数: 29846 | 2 by Rick aka Mr. Brutally Honest
I find it hard to believe that this is happening in America:
William, Paul and James Newland and their sister, Christine Ketterhagen,
who together own Hercules Industries, have no right to conduct their family
business in a manner that comports with their Catholic faith.
The federal government can and will compel them to either surrender
their business or to engage in activities the Catholic faith teaches are
intrinsically immoral.
This is exactly what... 阅读全帖 |
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a*********a
发帖数: 3656 | 3
so we both agree 401k does not necessarily save you tax, right?
I don't know what you are talking about here.
simple illustration, say you have an investment vehicle that returns 10%
each year. you tax rate is 30% which is very likely an overestimate of you
effective tax rate.
In terms of retirement accounts:
traditional 401k, you make $1, no immediate tax, after 10 years, it rolls to
$2.59 and you draw it out, govt takes 30% which is $0.77, leaving you $1.82
take home.
Roth 401k. you pay 30% t... 阅读全帖 |
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s**********e
发帖数: 2888 | 4 Government policies and the subprime mortgage crisis
Both deregulation, and excess regulation, of financial institutions have
been blamed for the late-2000s (decade) subprime mortgage crisis in the
United States.[1]
Conservatives have claimed that the financial crisis was caused by too much
regulation aimed at increasing home ownership rates for lower income people.
[2] They have pointed to two policies in particular: the Community
Reinvestment Act (CRA) of 1977, which they claim pressured priva... 阅读全帖 |
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a****s
发帖数: 524 | 5 I am a Jew, as you may know, for the last 400 years also, our Jewish people
make our living by sitting on a bench and playing with money, that's why
people call us "bankers".
When Bill Clinton called me up and demanded I loan money to poor people who
also wanted the luxury of owning houses, I asked him: "Do I look like a
moron?"
He then threatened to fine me if I do not comply. I told him to get lost. "
go f**k yourself" was I really wanted to say.
But he called me yet again, this time he offere... 阅读全帖 |
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K******S
发帖数: 10109 | 6 1: Community Reinvestment Act (CRA) was strengthened during Clinton time
2: At then attorney General Janet Reno actually prosecuted several banks for
racism landing criteria.
3: HUD (The Dept. of Housing and Urban Development) authorized Fannie Mae
and Freddie Mac to buy mortgage-backed securities (a lot of subprime and
other risky loans)
4: investment banks and wall street follows because even government is
backing the sub-prime loans. |
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l****z
发帖数: 29846 | 7 Fed Pulls Trigger, to Buy Mortgages in Effort to Lower Rates
Published: Thursday, 13 Sep 2012 | 3:35 PM ET
The Federal Reserve fulfilled expectations of more stimulus for the
faltering economy, taking aim now at driving down mortgage rates until an
improvement in unemployment that the central bank says will be a problem for
several years.
The Fed said it will buy $40 billion of mortgage-backed securities per month
in an attempt to foster a nascent recovery in the real estate market.
The p... 阅读全帖 |
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l****z
发帖数: 29846 | 8 Health Care
CBO projects that federal health spending will continue to be one of the
fastest-growing areas of federal spending, increasing at an average rate of
7 percent per year over the next decade. In contrast, over that same time,
GDP is expected to grow at the rate of only 2.4 percent per year.
The new baseline incorporates provisions of the 2010 health care reform act
(the Patient Protection and Affordable Care Act—or PPACA) that would expand
Medicaid, provide subsidies for health insuran... 阅读全帖 |
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a*********a
发帖数: 3656 | 9 Now let me answer your second question. "O8实行了什么前朝没有的政策，把钱分
给了穷人。分了多少？"
1. American Recovery and Reinvestment Act, aka Obama Stimulus. nearly 800B.
I personally agree that in such crisis, public spending is a great way to
put a bottom to the economy. However, a lot in the 800B Obama stimulus were
just hand outs.
40B to extend unemployment benefits multiple times.
50B to prevent teacher lay offs.
20B increase to food stamps.
15B to give one time 250$ payment to SS recipients.
16B to increase Pell... 阅读全帖 |
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d***h
发帖数: 97 | 10 Billions in Hidden Riches for Family of Chinese Leader
http://www.nytimes.com/2012/10/26/business/global/family-of-wen
BEIJING — The mother of China’s prime minister was a schoolteacher in
northern China. His father was ordered to tend pigs in one of Mao’s
political campaigns. And during childhood, “my family was extremely poor,”
the prime minister, Wen Jiabao, said in a speech last year.
But now 90, the prime minister’s mother, Yang Zhiyun, not only left
poverty behind — she became outright ric... 阅读全帖 |
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g***y
发帖数: 1268 | 11 对于一个没有固定收入，银行存款为0的黑人，如果银行不贷给他，他就会告银行。他
说不贷给他，完全是因为他是黑人，而不是因为他没有固定收入，银行存款为0。
如果没有这个法律，他告成的几率就小很多。因为法官一般都不倾向于干涉private
sector 的business decision。
好像在Clinton时期，联邦检察官就起诉银行，强迫他们贷款给"community
reinvestment"。
再回答你下一个问题，为什么“银行最后搞到连借款人收入和存款都不查就给人贷款”
。原因有两个，一个是前面说的政府逼迫，二是Freddie and fannie 担保。
我建议你去youtube上看看John Allison, BB&T当时的CEO，他是怎么解释这件事的。 |
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d*******n
发帖数: 2078 | 12 首先 food stamp 是1930s 就开始的program，不要扣在o8头上。这个program 在那里
，经济不好了，领这个的自然就增多。o8上台又没有降低领这个promgram 的标准。
你提到的那个additional，ARRA，全称American Recovery and Reinvestment Act of
2009，这个act 是为了解决金融危机，订立出来的。不是针对穷人的，是针对整个社会
，包括你看不起的黑人，也包括金融危机中失业的人们。
最简单来说，一个针对整个社会而设的act，当然穷人能得到一些好处，同样上班的中
产也得到了好处。
所以要诬陷08，还要学习：
http://en.wikipedia.org/wiki/American_Recovery_and_Reinvestment
increase |
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P*********0
发帖数: 4321 | 13 给你们点学习资料吧。一些懒虫
http://en.wikipedia.org/wiki/Community_Reinvestment_Act
The Community Reinvestment Act (CRA, Pub.L. 95-128, title VIII of the
Housing and Community Development Act of 1977, 91 Stat. 1147, 12 U.S.C. §
2901 et seq.) is a United States federal law designed to encourage
commercial banks and savings associations to help meet the needs of
borrowers in all segments of their communities, including low- and moderate-
income neighborhoods.[1][2][3] Congress passed the Act in 1977 to reduce
... 阅读全帖 |
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B******e
发帖数: 16928 | 14 Google community reinvestment act. Do not blame everything on Bush. By the
time he took office, it is too late to change anything.
than |
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B******e
发帖数: 16928 | 15 Google community reinvestment act. The stupid housing policy is promoted by
Carter and Clinton. When Bush became president, it was already too late.
Also Romney's economic policy is not the same as Bush. |
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B******e
发帖数: 16928 | 16 Google community reinvestment act. The stupid housing policy is promoted by
Carter and Clinton. When Bush became president, it was already too late.
Also Romney's economic policy is not the same as Bush. |
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t**********3
发帖数: 12623 | 17 If I register my business in Cayman Islands and keep my primary residence
there, I'd pay so much less taxes. And the extra profit will be reinvested
back in business to create more jobs for the unemployed instead of being
taxed and redistributed to the unemployed by the government after the
government took their cut. |
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l****z
发帖数: 29846 | 18 Top U.S. Firms Are Cash-Rich Abroad, Cash-Poor at Home .
By KATE LINEBAUGH
Emerson Electric Co. EMR +0.34% has $2 billion of cash in the bank. But this
year it had to borrow money in the U.S. to help buy back shares, distribute
dividends and even pay its taxes.
That's because "substantially all" of Emerson's cash is in Europe and Asia,
according to the company's filings with securities regulators. The maker of
power-plant and data-center equipment could always bring that cash back home
, but it ... 阅读全帖 |
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g***y
发帖数: 1268 | 19 黑人要是都中产了，谁来投DEM的票？
所以DEM用打着红旗反红旗的方法，用minimum wage law, welfare, community
reinvestment act, 成功的把黑人绑在贫困线以下。 |
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l****z
发帖数: 29846 | 20 Coca-Cola has $26.9 billion in foreign earnings untaxed in the U.S.
Ruchika Tulshyan
The Coca-Cola Co. (NYSE: KO) disclosed its foreign undistributed earnings
amounted to $26.9 billion at the end of 2012.
This was up 15 percent from $23.5 billion at the end of 2011, according to
its annual report filed Feb. 27 with the Securities and Exchange Commission.
These earnings are exempt from U.S. federal and state taxes.
Coca-Cola was the only Georgia company cited in a Georgia consumer group
study ... 阅读全帖 |
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l****z
发帖数: 29846 | 21 The U.S. budget deficit widened in May from a year earlier on a 10 percent
increase in spending, the Treasury Department said.
Outlays exceeded receipts by $138.7 billion last month compared with a $124.
6 billion shortfall in May 2012, the Treasury said today in Washington. The
gap was in line with the $139 billion median estimate in a Bloomberg survey
of 23 economists.
The Congressional Budget Office last week said that spending in May would’
ve been $4 billion less than a year earlier were it... 阅读全帖 |
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l****z
发帖数: 29846 | 22 54 Months: Record Stretch of 7.5%+ Unemployment Continues
(CNSNews.com) - Since January 2009, when Barack Obama was inaugurated as
president, the United States has seen 54 straight months with the
unemployment rate at 7.5 percent or higher, which is the longest stretch of
unemployment at or above that rate since 1948, when the Bureau of Labor
Statistics started calculating the national unemployment rate.
Today, BLS reported that the seasonally adjusted national unemployment rate
for June was 7.6... 阅读全帖 |
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T*********I
发帖数: 10729 | 23 为什么参院高法是利益制衡的结果，而不是制衡的主要力量之一？
高法至少在AA这种对华人和白人种族歧视的法案上应该表现得公正。
参院本应该显示出比众院更多的智慧，诸如Obamacare，Community Reinvestment Act
这样的法案能够在参院通过，前者并被高院背书保驾护航。不能不说制衡失效了。 |
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l****z
发帖数: 29846 | 24 by [email protected]
/* */ (Mike Mish Shedlock)
Is there a point to beating your head against a concrete wall? The answer
would seem to be "no", yet President Obama continues to do just that with
dead-on-arrival proposals.
Please consider Barack Obama Plans to Tax Overseas Cash Piles.
President Barack Obama will propose raising $238bn by levying a one-off
tax on the cash piles held by US companies overseas to repair the US’s
crumbling roads and bridges.
The measure, a key plank of ... 阅读全帖 |
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l****z
发帖数: 29846 | 25 White House: Deficit Will Increase 20% This Year (Despite Record Tax Revenue)
February 3, 2015 - 12:00 PM
By Terence P. Jeffrey
(CNSNews.com) - The data that the White House published with President Obama
’s fiscal 2016 budget proposal yesterday indicate that the federal deficit
will increase by 20 percent during this fiscal year (2015) even though the
administration predicts the Treasury will bring in record revenue during the
year.
According to Table S-1 in the “Summary Tables” appendix to the... 阅读全帖 |
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a*********a
发帖数: 3656 | 26 跟08年底比很难不好啊。就跟人得流感一样，发病之后几天，如果不死，就开始恢复。
第7天跟第3天比，要么死了，要么好多了。
08年得大衰退，从布什／paulson和国会民主党合作，通过TARP得那一刻，就知道不会
死了。09年中就知道了，TARP授权的7千亿救市拨款当中，第二期的3千500亿根本不需
要动用。后来这3千500亿被O8挪去救通用汽车了。
后来09年O8搞的7千800亿american recovery and reinvestment act，属于围着病床烧
香，跳大神那种，有益还是有害，很难说。基本是O8的其他金主说，“华尔街拿了那么
多钱，我们也要”那种。
09年以后唯一肯定对经济有“稳定”作用的是QE。但是QE就像镇痛药，副作用要长期才
能体现。目前由于欧洲，日本的摊子更烂，美国QE对负面效应被压下了。 |
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N********n
发帖数: 8363 | 27
次贷的根源也在左逼卡特搞的臭名昭著的Community Reinvestment Act。银行
不是傻子，没政府相逼谁也不会碰风险大的贷款。 |
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a*********a
发帖数: 3656 | 28 没错，Fannie Mae成立很久了。但是Fannie Mae(FNMA)和Freddie Mac(FMCC)染指
subprime是最近的事。我来讲讲这两房在次贷危机里的角色吧。对这里的不少人，这些
都不是新闻了。
1. 个人的放贷是怎么落到投资／投机者手里的：政府给两房的主要任务之一是收购房
贷。贷款银行给了张三贷款以后，并不一定保留这个贷款。可以转手卖给FNMA或FMCC。
这两家存在的主要目的，就是收购房贷。这样一来，发放房贷就成了没有风险，靠量赚
钱的玩意，房贷银行当然能贷就贷。两房促进拥房的功能就是这样达到的。但是两房也
不能无限买入。他们的模式就是把很多不同地区，不同银行，不同等级。。。的贷款捆
绑成Mortgage Backed Bond，再卖出来。结果就是FNMA和FMCC也成了中间商。买这些
Mortgage Backed Bond的有投行，对冲基金，共同基金等等五花八门，只要想得到的机
构投资者，都有。
两房这个把个人房贷转手到投资人手里的作用，对房贷市场至关重要。并没有什么问题
。两房一直对收购的房贷的信用质量有一定的要求。
2. 两房嫁给Affirmative... 阅读全帖 |
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t**********3
发帖数: 12623 | 30 capital gain tax zero in HK and Singapore.
无数经济数据证明CGT越低reinvest比率越高，最终的作用是吸引资本流入市场繁荣，
推动经济增长 |
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t*****e
发帖数: 3544 | 31 可以学天朝收交易印花税，取代capital gain tax.
[在 theislander3 (Peace de Wars) 的大作中提到：]
:capital gain tax zero in HK and Singapore.
:无数经济数据证明CGT越低reinvest比率越高，最终的作用是吸引资本流入市场繁荣，
:推动经济增长 |
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m****a
发帖数: 2593 | 32 其实比尔克林顿才是罪魁祸首
他签了 Gramm-Leach-Bliley Act, 把大萧条时代开始的对金融业的监管法glass
stegall 法案给推翻了
他还签了一个Commodity Futures Modernization Act, 将credit-default swaps 排除
在监管之外. 大家应该都知道CDS和次贷危机的联系
但是大多数人不知道他在1995 年改了
Community Reinvestment Act, 导致银行不敢不贷款给低收入人群，
所有连左派都说克林顿夫妻是华尔街的傀儡
==============================
>downgrade (降级)
>你张嘴就喷，本末倒置
>是因为在小布什执政下，股市楼市齐崩，而导致老>头老太的身家大减，有的不得不继
续工作
>但是劳动参与率的下降，很大一部分是由于二战的>婴儿潮都已经进入退休年龄
与率
>在17.0 - 18.9%， 也就是说在Obama当政的七年中，本来可以退休的老头老太太们被逼
着工作的比小布什的时候更高，而且这是一个递增的过程 |
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c********i
发帖数: 1489 | 33 补充一点啊，那个Mercer的super Pac是在Ivanka的撺掇下变成支持Trump的
Make America Number One - 1.3 ~ 13.5 million
Ivanka, 高人，实在高人呀！！！！
别看人家悠悠自在的发一些和政治丝毫没有关系的facebook, twitter，公主殿下私下
里早就作好功课了。
Mercer's PAC only had about $1.3 million on hand as of May 31, but the hedge
fund family would reinvest in the new group and that they would actively
fundraise, unlike Keep the Promise. Bloomberg Politics, which first reported
on the super PAC, said the Mercers were encouraged by Trump's daughter
Ivanka to start the organization... 阅读全帖 |
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w***t
发帖数: 8175 | 34 A former CIA director under President Bill Clinton joined Donald Trump's
presidential campaign Monday as a senior adviser, the campaign announced.
James Woolsey, a former national security official under Republican and
Democratic administrations who has been a fierce critic of President Barack
Obama, said in a statement he will advise Trump "on the urgent need to
reinvest in and modernize our military in order to confront the challenges
of the 21st century." |
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g********2
发帖数: 6571 | 35 September 28, 2016
Uh, Hillary, Your Hubby Caused the 2008 Recession
By Jack Cashill
On the debate stage Monday night, Hillary Clinton smugly repeated the big
lie that Democrats have been telling with something close to impunity since
2008.
“We had the worst financial crisis, the Great Recession, the worst since
the 1930s,” said Hillary. “That was in large part because of tax policies
that slashed taxes on the wealthy, failed to invest in the middle class,
took their eyes off of Wall Street, and... 阅读全帖 |
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g********2
发帖数: 6571 | 36 September 28, 2016
Uh, Hillary, Your Hubby Caused the 2008 Recession
By Jack Cashill
On the debate stage Monday night, Hillary Clinton smugly repeated the big
lie that Democrats have been telling with something close to impunity since
2008.
“We had the worst financial crisis, the Great Recession, the worst since
the 1930s,” said Hillary. “That was in large part because of tax policies
that slashed taxes on the wealthy, failed to invest in the middle class,
took their eyes off of Wall Street, and... 阅读全帖 |
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g********2
发帖数: 6571 | 37 September 28, 2016
Uh, Hillary, Your Hubby Caused the 2008 Recession
By Jack Cashill
On the debate stage Monday night, Hillary Clinton smugly repeated the big
lie that Democrats have been telling with something close to impunity since
2008.
“We had the worst financial crisis, the Great Recession, the worst since
the 1930s,” said Hillary. “That was in large part because of tax policies
that slashed taxes on the wealthy, failed to invest in the middle class,
took their eyes off of Wall Street, and... 阅读全帖 |
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z****z
发帖数: 2054 | 38 BORDER ADJUSTMENT TAX
This is one of the most controversial parts of the House Republicans' tax pl
an. It is also key to making it work.
Under current law, the United States taxes the profits of U.S.-based compani
es, even if the money is made overseas. However, taxes on foreign income are
deferred until a company either reinvests the profits in the U.S. or distri
butes them to shareholders.
Critics say the system encourages U.S.-based corporations to invest profits
overseas or, more dramaticall... 阅读全帖 |
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b*****d
发帖数: 61690 | 39 Limiting social services: “Protecting Taxpayer Resources by Ensuring Our
Immigration Laws Promote Accountability and Responsibility”
Libertarians sometimes suggest “building a wall around the welfare state”
instead of the country — restricting access to public benefits to US
citizens. This executive order proposes that President Trump, who’s already
building a wall around the country, build one around the welfare state as
well.
Legal immigrants currently get access to some public benefits in som... 阅读全帖 |
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b*****d
发帖数: 61690 | 40 Legal immigrants currently get access to some public benefits in some
circumstances. But the federal government can bar someone from coming to the
US, or from becoming a permanent resident, if there’s any evidence he or
she will become a “public charge.”
Currently, the federal government looks at use of cash benefits (like
Temporary Assistance for Needy Families) when it’s making “public charge”
decisions, but not in-kind benefits like Medicaid and the Children’s
Health Insurance Program. This e... 阅读全帖 |
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b*****d
发帖数: 61690 | 41 The order would require the person who sponsored an immigrant into the US to
reimburse the federal government for any benefits the immigrant used. It
would direct the government to publish regular reports on the benefits used
by immigrants in the US — and how that money could be “reinvested” in the
inner cities, something Trump proposed as a candidate. |
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d*2
发帖数: 2053 | 42 https://www.nytimes.com/2017/04/23/technology/travis-kalanick-pushes-uber-
and-himself-to-the-precipice.html
Travis Kalanick’s drive to win in life has led to
a pattern of risk-taking that has at times put his
ride-hailing company on the brink of implosion.
By MIKE ISAACAPRIL 23, 2017
SAN FRANCISCO — Travis Kalanick, the chief executive of Uber, visited Apple
’s headquarters in early 2015 to meet with Timothy D. Cook, who runs the
iPhone maker. It was a session that Mr. Kalanick was dreading.
Fo... 阅读全帖 |
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t****r
发帖数: 1606 | 43 奥巴马上任一年加了3万亿？
Under Obama the debt ceiling increased:
by $789 billion to $12.104 trillion in February 2009, Obama's first year in
office, under the American Recovery and Reinvestment Act;
by $290 billion to $12.394 trillion ten months later, in December 2009;
and by $1.9 trillion to $14.294 trillion two months later, in February 2010. |
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t****r
发帖数: 1606 | 44 奥巴马上任一年加了3万亿？中产好像当时表示压力不大。
https://www.thoughtco.com/presidents-who-raised-the-debt-ceiling-3321770
Under Obama the debt ceiling increased:
by $789 billion to $12.104 trillion in February 2009, Obama's first year in
office, under the American Recovery and Reinvestment Act;
by $290 billion to $12.394 trillion ten months later, in December 2009;
and by $1.9 trillion to $14.294 trillion two months later, in February 2010. |
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u****n
发帖数: 7521 | 45 How America Can Rise Again
Is America going to hell? After a year of economic calamity that many fear has sent us into irreversible decline, the author finds reassurance in the peculiarly American cycle of crisis and renewal, and in the continuing strength of the forces that have made the country great: our university system, our receptiveness to immigration, our culture of innovation. In most significant ways, the U.S. remains the envy of the world. But here’s the alarming problem: our governin... 阅读全帖 |
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T*********s
发帖数: 20444 | 46 Ford says C-Max mpg reduction has hurt sales
The Ford C-Max is having a rough time. Sales for the five-door hybrid
hatchback were down 39.1 percent in March to 2,295 cars, and sales from
January through March were down 42.5 percent to 5,566 units. In an interview
with The Detroit News, Ford Americas boss Joe Hinrichs places the blame on
lowering the model's fuel economy rating.
"We're definitely seeing consideration on C-Max decline over time. We need
to reinvest in the product because it's a gr... 阅读全帖 |
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b*****u
发帖数: 1556 | 47 想给车装个后雷达（parking sensor），cartoy，bestbuy，等大店人工$400起价，器
材$100起价。小作坊全包一口价$800。我靠，就一破sensor这么宰人啊？亚麻上买高度
评价的sensor不过$40. beeper放前面板，扒开侧面molding，把线藏进去，跑线到后备
箱夹层，安培表点几下找到接入点，卸下后保险杠，量好距离，打四个眼，sensor放进
去，东西都装回原样，3个小时加$40搞定了。很好用。车铺宰人真是不眨眼啊。大活儿
难，不得不挨宰，小活儿自己动动手省不少钱，还换换脑筋。省下的银子黑五reinvest
到一些好的工具设备上。 |
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l***n
发帖数: 1270 | 49 我eBay 10美刀自己搞定
reinvest |
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l****g
发帖数: 5080 | 50 这东西出厂之前装省事，后面装要先拆东西才能装，基本是无用功。3小时收费一般是
300刀，算上前后收尾工作，要你400刀小意思了。自己装也是会干才行，中间也是有风
险的，不小心搞坏什么就得不偿失了。没办法。还是有钱好啊，不就800刀，省下时间
看电影。
reinvest |
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