SodaHead - dean's Questions

What is the top two reason to vote for Barak Obama?

2008-10-17T13:28:08Z

What is the top two reason to vote for Barak Obama?

2 answers, +1 raves

I can't seem to find an answer in other polls

1 -2	50% (1 answers)
A. B.	50% (1 answers)
Undecided	0% (0 answers)

Why is the republican party not posting things like this 1999 NY Times artical

2008-10-03T19:09:18Z

Why is the republican party not posting things like this 1999 NY Times artical

1 answers, 0 raves

Fannie Mae Eases Credit To Aid Mortgage Lending September 30, 1999 By STEVEN A. HOLMES In a move that could help increase home ownership rates among minorities and low-income consumers, the Fannie Mae Corporation is easing the credit requirements on loans that it will purchase from banks and other lenders. The action, which will begin as a pilot program involving 24 banks in 15 markets -- including the New York metropolitan region -- will encourage those banks to extend home mortgages to individuals whose credit is generally not good enough to qualify for conventional loans. Fannie Mae officials say they hope to make it a nationwide program by next spring. Fannie Mae, the nation's biggest underwriter of home mortgages, has been under increasing pressure from the Clinton Administration to expand mortgage loans among low and moderate income people and felt pressure from stock holders to maintain its phenomenal growth in profits. In addition, banks, thrift institutions and mortgage companies have been pressing Fannie Mae to help them make more loans to so-called subprime borrowers. These borrowers whose incomes, credit ratings and savings are not good enough to qualify for conventional loans, can only get loans from finance companies that charge much higher interest rates -- anywhere from three to four percentage points higher than conventional loans. ''Fannie Mae has expanded home ownership for millions of families in the 1990's by reducing down payment requirements,'' said Franklin D. Raines, Fannie Mae's chairman and chief executive officer. ''Yet there remain too many borrowers whose credit is just a notch below what our underwriting has required who have been relegated to paying significantly higher mortgage rates in the so-called subprime market.'' Demographic information on these borrowers is sketchy. But at least one study indicates that 18 percent of the loans in the subprime market went to black borrowers, compared to 5 per cent of loans in the conventional loan market. In moving, even tentatively, into this new area of lending, Fannie Mae is taking on significantly more risk, which may not pose any difficulties during flush economic times. But the government-subsidized corporation may run into trouble in an economic downturn, prompting a government rescue similar to that of the savings and loan industry in the 1980's. ''From the perspective of many people, including me, this is another thrift industry growing up around us,'' said Peter Wallison a resident fellow at the American Enterprise Institute. ''If they fail, the government will have to step up and bail them out the way it stepped up and bailed out the thrift industry.'' Under Fannie Mae's pilot program, consumers who qualify can secure a mortgage with an interest rate one percentage point above that of a conventional, 30-year fixed rate mortgage of less than $240,000 -- a rate that currently averages about 7.76 per cent. If the borrower makes his or her monthly payments on time for two years, the one percentage point premium is dropped. Fannie Mae, the nation's biggest underwriter of home mortgages, does not lend money directly to consumers. Instead, it purchases loans that banks make on what is called the secondary market. By expanding the type of loans that it will buy, Fannie Mae is hoping to spur banks to make more loans to people with less-than-stellar credit ratings. Fannie Mae officials stress that the new mortgages will be extended to all potential borrowers who can qualify for a mortgage. But they add that the move is intended in part to increase the number of minority and low income home owners who tend to have worse credit ratings than non-Hispanic whites. Home ownership has, in fact, exploded among minorities during the economic boom of the 1990's. The number of mortgages extended to Hispanic applicants jumped by 87.2 per cent from 1993 to 1998, according to Harvard University's Joint Center for Housing Studies. During that same period the number of African Americans who got mortgages to buy a home increased by 71.9 per cent and the number of Asian Americans by 46.3 per cent. In contrast, the number of non-Hispanic whites who received loans for homes increased by 31.2 per cent. Despite these gains, home ownership rates for minorities continue to lag behind non-Hispanic whites, in part because blacks and Hispanics in particular tend to have on average worse credit ratings. In July, the Department of Housing and Urban Development proposed that by the year 2001, 50 percent of Fannie Mae's and Freddie Mac's portfolio be made up of loans to low and moderate-income borrowers. Last year, 44 percent of the loans Fannie Mae purchased were from these groups. The change in policy also comes at the same time that HUD is investigating allegations of racial discrimination in the automated underwriting systems used by Fannie Mae and Freddie Mac to determine the credit-worthiness of credit applicants. Click here to view the original article. This interest All interests Search:

it will rattle the sketetons from their closet	100% (1 answers)
They are in on it	0% (0 answers)
They wanted the bailout	0% (0 answers)
they're stupid	0% (0 answers)
Undecided	0% (0 answers)
None of the above	0% (0 answers)

Why is the media not interviewing those individuals like Ron Paul, who predicted this financial crisis years ago.

2008-09-26T13:03:30Z

Why is the media not interviewing those individuals like Ron Paul, who predicted this financial crisis years ago.

2 answers, 0 raves

Wouldn't it stand to reason, that if they saw it a long time ago they may have input on a solution

It doesn't feed their agenda	50% (1 answers)
All of the above	50% (1 answers)
They have a political affiliation that mat be exposed.	0% (0 answers)
They don't think we want to understand the cause.	0% (0 answers)
Undecided	0% (0 answers)
None of the above	0% (0 answers)

Was the purpos of Jeffersons "wall of seperation between church and state" to keep the government out of the church or the church out of government ?

2008-09-21T20:39:26Z

Was the purpos of Jeffersons "wall of seperation between church and state" to keep the government out of the church or the church out of government ?

3 answers, 0 raves

I believe the former although I am perplexed by a revision of our own history. I think a short study of original texts show that organiztions like the ACLU have eroded the very foundations that created this great Christian nation

keep religion out of government	33% (1 answers)
keep government out of religion	33% (1 answers)
None of the above	33% (1 answers)
Undecided	0% (0 answers)

I there a non biased media outlet?

2008-09-11T20:23:43Z

I there a non biased media outlet?

3 answers, +1 raves

I'm testing a theory that a lot of people believe that non biased simply means I agree with their view. Is there a non biased media left out there. I'm looking for some integrity. Any help out there?

Undecided	67% (2 answers)
no there's not one left	33% (1 answers)
yes.....is not biased	0% (0 answers)
That's what non biased means, they agree with me.	0% (0 answers)
None of the above	0% (0 answers)

Would you ulike to see SodaHead create a chat room to make conversation about an issue easier then posting to a poll.

2008-02-18T02:29:41Z

Would you ulike to see SodaHead create a chat room to make conversation about an issue easier then posting to a poll.

10 answers, +2 raves

I've found mtself juming from polls to happinings and back and thought this would be helpful.

Undecided	60% (6 answers)
That would be awsome	30% (3 answers)
You're missing the point	10% (1 answers)
That would ruin ebverything	0% (0 answers)
None of the above	0% (0 answers)

How many people in the SodaHead community are from outside the United States?

2008-02-16T14:56:19Z

How many people in the SodaHead community are from outside the United States?

5 answers, +1 raves

Sir Jims question about this site made me wonder

I'm not. I'm from........	60% (3 answers)
i'm an American	40% (2 answers)

Do you think it is accurate to say most of the jobs illegal immigrants do are jobs that are difficult to fill with american workers

2008-02-12T18:07:02Z

Do you think it is accurate to say most of the jobs illegal immigrants do are jobs that are difficult to fill with american workers

12 answers, +2 raves

I worked in an industry that hired a lot of illegal Hispanic workers and When I was a manager we would hire almost any one who could physically do the job during the peak season. but maybe 1 out of 20 would apply and 1 out of a fifty of them would stay. What do you do?

No	50% (6 answers)
Yes	25% (3 answers)
Undecided	25% (3 answers)

Do you think the work of the Security and Prosperity Partnership of North America is an important election issue?

2008-02-10T02:17:18Z

Do you think the work of the Security and Prosperity Partnership of North America is an important election issue?

5 answers, 0 raves

Some say it is secretly forming a North American Union that threatens U.S. sovereignty

Yes, it's scary	100% (5 answers)
No, it's a good thing	0% (0 answers)
never heard of it	0% (0 answers)
Undecided	0% (0 answers)
None of the above	0% (0 answers)

Christians: Why are somany Christians not voting for Mike Huckabee?

2008-02-07T13:39:10Z

Christians: Why are somany Christians not voting for Mike Huckabee?

8 answers, +2 raves

None of the above	63% (5 answers)
don't think he can win	25% (2 answers)
too conservitive	13% (1 answers)