REAL NEWS
BLAME FOR RECESSION
<[email protected]>
(Common sense, politically incorrect newsletter to 15,025 subscribers)
 
Our mission is to get our readers thinking about current events.
  
 
 
BLAME FOR RECESSION
 
 
1.  Do-gooders claimed that even poor Americans should own their own 
         homes.
 
2.  But mortgage lenders insisted on sizeable down payments and good 
         credit.
 
3.  Government pressured lenders to make risky mortgages, guaranteed by 
         FDIC.
 
4.  Avalanche of new home sales rapidly sky rocketed property values.
 
5.  Poor people were touted into buying very expensive homes as an 
         investment.
 
6.  Federal administration suspected banking industry on shakey ground, 
         but Senate and House banking chairmen refused to audit clear up 
         to when banks started failing.
 
7.  High gasoline prices harmed economy, which increased unemployment and 
         mortgage foreclosures.
 
8.  Federal government bailed out bankers instead of allowing existing 
         bankruptcy laws to handle in an existing orderly fashion.
 
9.  Government favoritism, as well as restrictions on business and energy 
         make the recession recovery impossible.
 
--REAL NEWS Editor   [email protected]
------------------------------------------------------------
Would the Last Honest Reporter
Please Turn On the Lights?
By Orson Scott Card    First appeared in print in The Rhinoceros Times, 
Greensboro, NC
    An open letter to the local daily paper -- almost every local daily
paper in America :
    This housing crisis didn't come out of nowhere.  It was not a vague
emanation of the evil Bush administration.
    It was a direct result of the political decision, back in the late
1990s, to loosen the rules of lending so that home loans would be more
accessible to poor people.  Fannie Mae and Freddie Mac were authorized to
approve risky loans.
    What is a risky loan?  It's a loan that the recipient is likely not
to be able to repay.
    The goal of this rule change was to help the poor -- which especially
would help members of minority groups.  But how does it help these people
to give them a loan that they can't repay?  They get into a house, yes,
but when they can't make the payments, they lose the house -- along with
their credit rating.
    They end up worse off than before.
    This was completely foreseeable and in fact many people did foresee
it.  One political party, in Congress and in the executive branch, tried
repeatedly to tighten up the rules.  The other party blocked every such
attempt and tried to loosen them.
    Furthermore, Freddie Mac and Fannie Mae were making political
contributions to the very members of Congress who were allowing them to
make irresponsible loans.  (Though why quasi-federal agencies were
allowed to do so baffles me.  It's as if the Pentagon were allowed to
contribute to the political campaigns of Congressmen who support
increasing their budget.)
    Isn't there a story here?  Doesn't journalism require that you who
produce our daily paper tell the truth about who brought us to a position
where the only way to keep confidence in our economy was a $700 billion
bailout?  Aren't you supposed to follow the money and see which
politicians were benefitting personally from the deregulation of mortgage
lending?
    I have no doubt that if these facts had pointed to the Republican
Party as the guilty party, you would be treating it as a vast scandal.
"Housing-gate," no doubt.  Or "Fannie-gate."
    Instead, it was Senator Christopher Dodd and Congressman Barney
Frank, both Democrats, who denied that there were any problems, who
refused Bush administration requests to set up a regulatory agency to
watch over Fannie Mae and Freddie Mac, and who were still pushing for
these agencies to go even further in promoting subprime mortgage loans
almost up to the minute they failed.
     Alan Greenspan warned them years before.  So did the Chairman of
the Council of Economic Advisers to the President.  So did Bush's
Secretary of the Treasury.
    These are facts.  This financial crisis was completely preventable.
The party that blocked any attempt to prevent it was . . . the Democratic
Party.  The party that tried to prevent it was . . . the Republican
Party.
    Yet when Nancy Pelosi accused the Bush administration and Republican
deregulation of causing the crisis, you in the press did not hold her to
account for her lie.  Instead, you criticized Republicans who took
offense at this lie and refused to vote for the bailout!
    What?  It's not the liar, but the victims of the lie who are to
blame?
    Now let's follow the money . . . right to Barack Obama, who was the
number-two recipient of campaign contributions from Fannie Mae, and
Franklin Raines, the CEO of Fannie Mae who made $90 million while running
it into the ground.
    Your job, as journalists, is to tell the truth. That's what you claim
you do when you accept people's money to buy or subscribe to your paper.
    But right now, you are consenting to or actively promoting a big fat
lie -- that the housing crisis should somehow be blamed on Bush and the
Republicans.  You have trained the American people to blame everything
bad -- even bad weather -- on Bush, and they are responding as you have
taught them to.
    If you had any personal honor, each reporter and editor would be
insisting on telling the truth -- even if it hurts the election chances
of your favorite candidate -- because that's what honorable people do.
Honest people tell the truth even when they don't like the probable
consequences.  That's what honesty means.  That's how trust is earned.
--------------------------------------------------------------------


 
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