Against democracy. Its flawsble that it does. We have rejected that view. Communists were entitled to say this democratic system does not work, lets get rid of it. That took a good while for that idea, because there were laws against anarchy and edition. It takes us perhaps i think to the 1964 ruling of the Supreme Court on the New York Times v. Sullivan. You spoke about libel. In this particular ruling, very specific regulation that is the wrong word but concepts are written into this ruling. Would like to read what Justice Brennan has said because i think it deserves to be quoted as often as possible. Public discussion is a political duty, and it must be uninhibited, robust, and wide open and may well include vehement, caustic, and sometimes unpleasantly sharp attacks on government and public officials. You were mentioning this in a sense a moment ago. I am wondering, Justice Scalia, if this kind of an issue were brought before the court today, at that time, in 1964, i believe the co
What color of front door “sells” the best? Some say black, although in a related topic red is the most popular. Doesn’t that mean red sells the best if there are more red front doors? Statistics are interesting things. LOs everywhere tell me that the deals are harder, and as an indication of both statistics and harder deals, a report by the Consumer Financial Protection Bureau (CFPB) revealed that 11 percent of Americans have a "thin or stale" score file, and therefore it's impossible to generate a current, valid credit score for them. Another 11 percent are considered to be "credit invisible," meaning that they don't have a credit file with any of the three major credit bureaus. That's a total of 22 percent of the adult population of the United States, around 50 million, that doesn't have a credit score at all. As an investor or a lender, and one of these adults wants to buy a home, even with meag
Yesterday I visited Sacramento to speak to an audience of real estate agents and originators in a joint MGIC/Golden 1 Credit Union event. The mood was good, and much of the discussion was about rent (give or take a little, 50 percent the U.S. is paying 50 percent of their income in rent) and products offered by depositories and portfolio lenders. Attendees also remarked how fast 2022 is moving. We’re fast approaching Memorial Day, marking the unofficial start of summer. Radio stations start playing summer-themed songs (“I thought I knew what love was, what did I know? Those days are gone forever, I should just let them go…”) Time does indeed fly, and it is important to keep things in perspective. Fairway Independent’s Jennifer S. sent over this tweet from Congress. “The median annual pay during the Great Depression was 22 percent of the cost of an average home. Today it’s 14 percent. That means that pay relative to home cost made it easi