Hmmm...  I am not a member of a political spin room Yahoogroup and yet I seem 
to be getting mail from that group.  ;-)  PLEASE hit "REPLY" and NOT "REPLY 
ALL" and FGS!!!!!  Change your Yahoogroups preference to "TRADITIONAL" so that 
those of us in individual e-mails don't have to receive all the garbage added 
by Yahoogroups.

As a longtime Yahoogroups subscriber, list owner and moderator (many groups 
over many years) I am telling you now this guy Bruce Majors is nothing but a 
spamming PEST.  He is an incredible pest and often likes to imp other member's 
IDs.  He should be moderated at all times.  You have been warned (as if *that* 
will do any good).

CW
----- Original Message ----- 
From: bruce majors 
To: [email protected] ; [email protected] ; 
[email protected] ; [email protected] ; 
Southern by the Grace of God ; [email protected] 
Sent: Thursday, March 26, 2009 05:57
Subject: Re: [The Political Spin Room] variable interest rates on mortgage loans


As usual your thoughts are superficial

The state monopoly currency system created a huge amount of fiat currency and 
credit and wanted it shoveled somewhere

If people with good credit and documented income are already getting loans the 
only place for it to go is to people with bad credit, no downpayment and 
unreported income

And so that is what was done


On Thu, Mar 26, 2009 at 5:49 PM, madtim3bat <[email protected]> wrote:

  <<No income verification NOT no income.>>-vinni_77024_77024 

  No income verification is saying you believe the number the person wrote 
down. An honest person will actually have that income, but we all know that not 
everyone is honest.

  It is easy to make little lies. Let's say you sell cars, and your best month 
your income was $10k. When they ask your monthly income, you write down $10k. 
You may have only made $20k the rest of the year, so a more realistic monthly 
income would be $2.5k.

  --- In [email protected], vinni_77024_77024 <no_re...@...> 
wrote:
  >
  > --- In [email protected], "Jack" <jackwr@> wrote:
  > >
  > > On 26 Mar 2009 at 5:16, madtim3bat wrote:
  > > 
  > > > A lot of these people budgeted for the minimum payment. What they
  > > > should have done is budget for the maximum payment. If they were
  > > > wrong, then they would have some extra money.
  > > 
  > > If brokers and lenders were qualifying borrowers for NINJA loans.. (no 
income, no job, no assets) 
  > > where do you consider those lenders and borrowers should place those 
minimum and maximum 
  > > payment expectations?
  > 
  > There is no such thing as a "NINJA" loan and there never was. No income 
verification NOT no income. No assets.....yes. But the person had to have a job.
  >



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