101010.pl is one of the many independent Mastodon servers you can use to participate in the fediverse.
101010.pl czyli najstarszy polski serwer Mastodon. Posiadamy wpisy do 2048 znaków.

Server stats:

572
active users

#mortgage

2 posts2 participants0 posts today
☮ ♥ ♬ 🧑‍💻<p>Day 15 cont <a href="https://ioc.exchange/tags/LNP" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>LNP</span></a> 🏡🏠🏡🏡🏡🏡🏡🏠🏡🏡💰</p><p>“<a href="https://ioc.exchange/tags/Coalition" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Coalition</span></a> Leader <a href="https://ioc.exchange/tags/PeterDutton" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>PeterDutton</span></a> has announced a plan to allow first-time buyers of newly built homes to be able to deduct interest payments on up to $650,000 of their <a href="https://ioc.exchange/tags/mortgage" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>mortgage</span></a> from their income taxes.</p><p>The <a href="https://ioc.exchange/tags/policy" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>policy</span></a> would mean a family on average incomes would be around $11,000 a year better off — or $55,000 over five years”</p><p>Last minute policy. Details? More deductions from the government instead of fixing the existing problems.</p><p><a href="https://ioc.exchange/tags/AusPol" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>AusPol</span></a> / <a href="https://ioc.exchange/tags/Liberal" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Liberal</span></a> / <a href="https://ioc.exchange/tags/coalition" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>coalition</span></a> / <a href="https://ioc.exchange/tags/housing" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>housing</span></a> / <a href="https://ioc.exchange/tags/HousingCrisis" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>HousingCrisis</span></a> / <a href="https://ioc.exchange/tags/Financialisation" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Financialisation</span></a> / <a href="https://ioc.exchange/tags/NegativeGearing" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>NegativeGearing</span></a> &lt;<a href="https://www.abc.net.au/news/2025-04-13/coalition-first-home-buyers-mortgage-taxes/105170766" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="ellipsis">abc.net.au/news/2025-04-13/coa</span><span class="invisible">lition-first-home-buyers-mortgage-taxes/105170766</span></a>&gt;</p>
Nonilex<p>Bill Pulte, <a href="https://masto.ai/tags/Trump" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Trump</span></a>’s dir of the Federal <a href="https://masto.ai/tags/Housing" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Housing</span></a> <a href="https://masto.ai/tags/Finance" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Finance</span></a> Agency <a href="https://masto.ai/tags/FHFA" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>FHFA</span></a> since Mar 14, 2025, issued a stmnt saying &gt;100 employees of <a href="https://masto.ai/tags/FannieMae" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>FannieMae</span></a>, a govt-controlled firm that underpins much of the country’s <a href="https://masto.ai/tags/mortgage" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>mortgage</span></a> industry, have been fired for “unethical conduct, including facilitating *fraud*.”</p><p>The stmnt offered no info about the conduct he claimed the fired employees engaged in. Pulte said he intends to make Fannie Mae &amp; <a href="https://masto.ai/tags/FreddieMac" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>FreddieMac</span></a> *better* businesses.</p><p><a href="https://masto.ai/tags/law" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>law</span></a> <a href="https://masto.ai/tags/USpol" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>USpol</span></a> <br><a href="https://www.fhfa.gov/news/news-release/fannie-mae-fires-over-100-employees-for-unethical-conduct-including-the-facilitation-of-fraud" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="ellipsis">fhfa.gov/news/news-release/fan</span><span class="invisible">nie-mae-fires-over-100-employees-for-unethical-conduct-including-the-facilitation-of-fraud</span></a></p>
Bytes Europe<p>Mortgage stability marks New Zealand’s economic uptick <a href="https://www.byteseu.com/884428/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="">byteseu.com/884428/</span><span class="invisible"></span></a> <a href="https://pubeurope.com/tags/Centrix" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Centrix</span></a> <a href="https://pubeurope.com/tags/Credit" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Credit</span></a> <a href="https://pubeurope.com/tags/mortgage" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>mortgage</span></a> <a href="https://pubeurope.com/tags/NewZealand" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>NewZealand</span></a></p>
Nonilex<p>I thought they were trying to save money 🤔</p><p>Under <a href="https://masto.ai/tags/Trump" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Trump</span></a>, the <a href="https://masto.ai/tags/Consumer" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Consumer</span></a> <a href="https://masto.ai/tags/FinancialProtection" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>FinancialProtection</span></a> Bureau <a href="https://masto.ai/tags/CFPB" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CFPB</span></a> has dropped nearly a dozen enforcement cases brought during the <a href="https://masto.ai/tags/Biden" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Biden</span></a> admin, ending lawsuits against <a href="https://masto.ai/tags/banks" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>banks</span></a> &amp; <a href="https://masto.ai/tags/lenders" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>lenders</span></a> for a variety of financial practices that the <a href="https://masto.ai/tags/watchdog" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>watchdog</span></a> agency no longer considers <a href="https://masto.ai/tags/illegal" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>illegal</span></a>.</p><p>But on Wed, the bureau went a step further: It is seeking to GIVE BACK $105k that a <a href="https://masto.ai/tags/mortgage" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>mortgage</span></a> lender paid to settle <a href="https://masto.ai/tags/racial" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>racial</span></a> <a href="https://masto.ai/tags/discrimination" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>discrimination</span></a> claims….</p><p><a href="https://masto.ai/tags/law" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>law</span></a> <br><a href="https://www.nytimes.com/2025/03/26/business/cfpb-repay-mortgage-lawsuit.html?smid=nytcore-ios-share&amp;referringSource=articleShare&amp;sgrp=p&amp;pvid=6A5655B4-A7D4-4098-AED1-2847DA87EEB0" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="ellipsis">nytimes.com/2025/03/26/busines</span><span class="invisible">s/cfpb-repay-mortgage-lawsuit.html?smid=nytcore-ios-share&amp;referringSource=articleShare&amp;sgrp=p&amp;pvid=6A5655B4-A7D4-4098-AED1-2847DA87EEB0</span></a></p>
Bytes Europe<p>Portugal’s TAP 2024 profit slumps on court-ordered back pay <a href="https://www.byteseu.com/867624/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="">byteseu.com/867624/</span><span class="invisible"></span></a> <a href="https://pubeurope.com/tags/401k" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>401k</span></a> <a href="https://pubeurope.com/tags/business" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>business</span></a> <a href="https://pubeurope.com/tags/BusinessNews" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>BusinessNews</span></a> <a href="https://pubeurope.com/tags/economy" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>economy</span></a> <a href="https://pubeurope.com/tags/Finance" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Finance</span></a> <a href="https://pubeurope.com/tags/FinancialInformation" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>FinancialInformation</span></a> <a href="https://pubeurope.com/tags/investing" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>investing</span></a> <a href="https://pubeurope.com/tags/InvestmentTools" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>InvestmentTools</span></a> <a href="https://pubeurope.com/tags/Investor" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Investor</span></a> <a href="https://pubeurope.com/tags/MarketNews" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>MarketNews</span></a> <a href="https://pubeurope.com/tags/mortgage" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>mortgage</span></a> <a href="https://pubeurope.com/tags/MutualFunds" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>MutualFunds</span></a> <a href="https://pubeurope.com/tags/PersonalFinance" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>PersonalFinance</span></a> <a href="https://pubeurope.com/tags/Portugal" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Portugal</span></a> <a href="https://pubeurope.com/tags/quote" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>quote</span></a> <a href="https://pubeurope.com/tags/RealEstate" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>RealEstate</span></a> <a href="https://pubeurope.com/tags/retirement" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>retirement</span></a> <a href="https://pubeurope.com/tags/stock" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>stock</span></a> <a href="https://pubeurope.com/tags/StockResearch" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>StockResearch</span></a> <a href="https://pubeurope.com/tags/StockValuation" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>StockValuation</span></a> <a href="https://pubeurope.com/tags/stocks" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>stocks</span></a> <a href="https://pubeurope.com/tags/SuzeOrman" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>SuzeOrman</span></a> <a href="https://pubeurope.com/tags/Tax" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Tax</span></a> <a href="https://pubeurope.com/tags/TrackPortfolio" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>TrackPortfolio</span></a></p>
Nonilex<p>US <a href="https://masto.ai/tags/CentralBank" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CentralBank</span></a> holds <a href="https://masto.ai/tags/InterestRates" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>InterestRates</span></a> steady</p><p><a href="https://masto.ai/tags/TheFed" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>TheFed</span></a> said it will slow the pace of the drawdown of its balance sheet, as it faces challenges in assessing <a href="https://masto.ai/tags/market" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>market</span></a> liquidity….</p><p>Stmnt: "The Cmte will continue reducing its holdings of <a href="https://masto.ai/tags/Treasury" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Treasury</span></a> <a href="https://masto.ai/tags/securities" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>securities</span></a> &amp; agency <a href="https://masto.ai/tags/debt" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>debt</span></a> &amp; <a href="https://masto.ai/tags/mortgage" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>mortgage</span></a>‑backed securities. Beginning in April, the Cmte will slow the pace of decline of its securities holdings by reducing the monthly redemption cap on Treasury securities from $25B to $5B."</p><p><a href="https://masto.ai/tags/economy" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>economy</span></a> <br><a href="https://www.reuters.com/world/us/fed-meeting-live-us-stocks-open-higher-investors-eye-rate-decision-2025-03-19/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="ellipsis">reuters.com/world/us/fed-meeti</span><span class="invisible">ng-live-us-stocks-open-higher-investors-eye-rate-decision-2025-03-19/</span></a></p>
Nonilex<p>For decades, Canadian political leaders have crowed about that restrictive <a href="https://masto.ai/tags/financial" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>financial</span></a> <a href="https://masto.ai/tags/regulatory" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>regulatory</span></a> model. They argue that fending off foreign entrants in the country’s <a href="https://masto.ai/tags/mortgage" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>mortgage</span></a> market helped the country largely avoid the 2008 collapse south of its border.</p><p>In light of <a href="https://masto.ai/tags/Trump" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Trump</span></a>’s criticism, Maggie Cheung, a spox for the Canadian Bankers Assn, was quick to point out that foreign <a href="https://masto.ai/tags/banks" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>banks</span></a> were an integral part of the banking landscape.</p><p><a href="https://masto.ai/tags/disinformation" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>disinformation</span></a> <a href="https://masto.ai/tags/RevengePolitics" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>RevengePolitics</span></a> <a href="https://masto.ai/tags/USpol" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>USpol</span></a> <a href="https://masto.ai/tags/geopolitics" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>geopolitics</span></a></p>
blog.TO<p>Ontario sees another enormous jump in people not paying housing and other bills<br>As if we needed more facts and figures to remind us how bad Canada's economy is at present, a new report has offered a glimpse into just how many people nationwide have been unable to cover their major bills, with mortgage delinquency in particular at an all-time hig...<br><a href="https://mastodon.hongkongers.net/tags/economy" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>economy</span></a> <a href="https://mastodon.hongkongers.net/tags/housing" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>housing</span></a> <a href="https://mastodon.hongkongers.net/tags/debt" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>debt</span></a> <a href="https://mastodon.hongkongers.net/tags/mortgage" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>mortgage</span></a> <a href="https://mastodon.hongkongers.net/tags/Ontario" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Ontario</span></a> <a href="https://mastodon.hongkongers.net/tags/Toronto" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Toronto</span></a><br><a href="https://www.blogto.com/real-estate-toronto/2025/02/ontario-jump-people-unable-pay-housing-bills/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="ellipsis">blogto.com/real-estate-toronto</span><span class="invisible">/2025/02/ontario-jump-people-unable-pay-housing-bills/</span></a></p>
WordofTheHour<p><a href="https://mastodon.social/tags/mortgage" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>mortgage</span></a> : also, the written instrument by which the conveyance is made</p><p>- French: hypothèque</p><p>- German: die Hypothek</p><p>- Italian: ipoteca</p><p>- Portuguese: hipoteca</p><p>- Spanish: hipoteca</p><p>------------</p><p>Thank you so much for being a member of our community!</p>
CelloMom On Cars<p>"<a href="https://mastodon.social/tags/ClimateChange" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>ClimateChange</span></a> is the reason millions of Americans have had their <a href="https://mastodon.social/tags/HomeInsurance" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>HomeInsurance</span></a> plans dropped, according to a report U.S. Senators reviewed at the final Budget Committee hearing of the legislative session.</p><p>“When insurance becomes unavailable, it can be impossible to get a <a href="https://mastodon.social/tags/mortgage" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>mortgage</span></a>,“ Budget Committee Chairman Sen. Sheldon Whitehouse (D) Rhode Island said."</p><p><a href="https://www.kcrg.com/2024/12/19/senate-report-climate-change-main-reason-home-insurance-policy-drops/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="ellipsis">kcrg.com/2024/12/19/senate-rep</span><span class="invisible">ort-climate-change-main-reason-home-insurance-policy-drops/</span></a></p><p>This is not much covered in mainstream news.</p>
CelloMom On Cars<p>No insurance, no mortgage.</p><p>In <a href="https://mastodon.social/tags/Australia" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Australia</span></a>:<br>"Close to 200,000 households are either already breaching their <a href="https://mastodon.social/tags/mortgage" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>mortgage</span></a> contracts, or risk doing so, as the surging cost of <a href="https://mastodon.social/tags/HomeInsurance" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>HomeInsurance</span></a> forces many to dump their policies."</p><p><a href="https://www.abc.net.au/news/2024-12-10/insurance-costs-are-driving-thousands-to-breach-their-mortgages/104703586" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="ellipsis">abc.net.au/news/2024-12-10/ins</span><span class="invisible">urance-costs-are-driving-thousands-to-breach-their-mortgages/104703586</span></a></p>
CelloMom On Cars<p><a href="https://mastodon.social/tags/ClimateChange" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>ClimateChange</span></a> drives up insurance costs — and missed mortgage payments</p><p>"New study finds a $500 <a href="https://mastodon.social/tags/insurance" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>insurance</span></a> hike boosts <a href="https://mastodon.social/tags/mortgage" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>mortgage</span></a> delinquencies by 20%, stressing housing impact of changing climate.</p><p>Because more than two-thirds of mortgages are backed by the federal government, it’s taxpayers who could be left holding the bag from rising climate-caused delinquencies."</p><p><a href="https://lailluminator.com/2024/11/20/climate-change-insurance/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://</span><span class="ellipsis">lailluminator.com/2024/11/20/c</span><span class="invisible">limate-change-insurance/</span></a></p>
CelloMom On Cars<p>"The couple hoped to buy another home. But after using the buyout money to pay off the rest of their <a href="https://mastodon.social/tags/mortgage" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>mortgage</span></a> and with housing costs rising, they could not find anything they could afford.</p><p>They were forced to rent instead and found their new rent much higher than their old monthly mortgage payments. The couple now has no buffer for surprise expenses. At 66 and 73, they feel they’re starting over. "</p><p><a href="https://whyy.org/articles/climate-change-retirement-effects/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://</span><span class="ellipsis">whyy.org/articles/climate-chan</span><span class="invisible">ge-retirement-effects/</span></a></p>
Court of Justice of the EU<p><a href="https://curia.social-network.europa.eu/tags/ECJHighlights" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>ECJHighlights</span></a><br>17/10<br>⚖️ (J): Legal protection of computer programs <a href="https://curia.social-network.europa.eu/tags/copyright" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>copyright</span></a> @Sony (C-159/23)<br>⚖️ (J): Early repayment of a <a href="https://curia.social-network.europa.eu/tags/mortgage" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>mortgage</span></a> loan (C-76/22)<br>⚖️ (J): Maximum age for serving as a judge – mandatory retirement (C-349/23)</p>
CelloMom On Cars<p>"<a href="https://mastodon.social/tags/HomeInsurance" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>HomeInsurance</span></a> is becoming unaffordable for a growing number of <a href="https://mastodon.social/tags/Australian" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Australian</span></a> households as increased climate threats drive up their premiums, potentially putting billions of dollars in <a href="https://mastodon.social/tags/mortgage" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>mortgage</span></a> loans at risk, a report said on Monday.</p><p>As of March 2024, 15% of Australian households were experiencing home insurance affordability stress, which is defined as having premiums that cost more than four weeks' of their incomes, the report from the Actuaries Institute found."</p><p><a href="https://www.reuters.com/world/asia-pacific/australian-homeowners-struggling-afford-insurance-climate-risks-grow-report-says-2024-08-25/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="ellipsis">reuters.com/world/asia-pacific</span><span class="invisible">/australian-homeowners-struggling-afford-insurance-climate-risks-grow-report-says-2024-08-25/</span></a></p>
Chuck Darwin<p>As a child, Mathew Desmond experienced poverty firsthand. </p><p>He saw his family home repossessed and endured the stresses and humiliations of his family’s lack of means. </p><p>It raised the question that he would go on to dedicate his professional life to answering: </p><p>❓Why is there such stark <a href="https://c.im/tags/inequality" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>inequality</span></a> in America?❓</p><p>The hard truth, he said, is that <br>💥so many of us benefit from it.💥</p><p>Desmond shared a litany of statistics illustrating the growing burden of poverty and inequality in the United States:</p><p> • 1 in 3 families live in a household that has an income of $55,000 a year or less.<br> • 38 million people are below the federal poverty level of $30,000 for a family of four.<br> • Evictions have increased by 22% since the turn of the century.<br> • The number of public-school kids who are unhoused has increased by 74% since the turn of century.<br> • The amount of inflation-adjusted, non-mortgage debt has increased by more than 200% -- and the number of families reporting no income apart from food stamps has quadrupled since the 2008 recession.<br> • Since 1985, rent increases have&nbsp;outpaced wage growth by 325%.<br> • Each year, people are charged $11 billion in overdraft fees and $10 billion in payday loan fees.</p><p>“So, here's one reason there's so much poverty in America today: </p><p>because the poor are <a href="https://c.im/tags/exploited" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>exploited</span></a>,” <br>said Desmond, author of the Pulitzer Prize-winning book "Evicted" and his more recent work "Poverty, by America". </p><p>“I think it's a word we should use more.”</p><p>👉The exploitation is perpetuated, not only by the corporations, financial institutions, and landlords who withhold fair wages, charge exorbitant fees, and profit off those in poverty, <br>👉but also by affluent Americans who benefit from the exploitation, he said.</p><p>Desmond quoted an analogy from novelist Tommy Orange, </p><p>“Kids are jumping out the windows of burning buildings, falling to their deaths. And we think the problem is that they’re jumping.”</p><p>🔥The American approach to poverty has often been to focus on those who are poor and what they can do to uplift themselves -- rather than changing the systems that keep them poor. </p><p>This can be uncomfortable for those whose <a href="https://c.im/tags/property" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>property</span></a> <a href="https://c.im/tags/values" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>values</span></a> are protected by ⚠️segregation of affordable housing, <br>those who have invested in the <a href="https://c.im/tags/stock" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>stock</span></a> <a href="https://c.im/tags/market" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>market</span></a> and make money when ⚠️exploitative corporations net profits, <br>and those with <a href="https://c.im/tags/free" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>free</span></a> <a href="https://c.im/tags/checking" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>checking</span></a> <a href="https://c.im/tags/accounts" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>accounts</span></a> that are ⚠️subsidized by the poor who pay fees for their lack of capital, he explained.</p><p>The affluent also benefit from government subsidies more than the poor, he said. </p><p>According to Desmond, the <a href="https://c.im/tags/wealthiest" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>wealthiest</span></a> families in the United States receive an average of about 🔷$35,000 annually in tax benefits, while the <a href="https://c.im/tags/poorest" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>poorest</span></a> get an average of ♦️$25,000 in subsidies. </p><p>These are realized in <a href="https://c.im/tags/mortgage" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>mortgage</span></a> <a href="https://c.im/tags/incentives" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>incentives</span></a>, special <a href="https://c.im/tags/investment" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>investment</span></a> <a href="https://c.im/tags/accounts" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>accounts</span></a>, like #529 accounts that help pay for college, and other <a href="https://c.im/tags/tax" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>tax</span></a> <a href="https://c.im/tags/breaks" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>breaks</span></a> for the wealthy.</p><p>Many affluent families further contribute to poverty by building communities that exclude and marginalize the poor <br>— pushing them out of their neighborhoods using <a href="https://c.im/tags/zoning" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>zoning</span></a> ordinances, Desmond said</p><p><a href="https://www.aamc.org/news/we-can-solve-poverty-america-we-just-don-t-want" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="ellipsis">aamc.org/news/we-can-solve-pov</span><span class="invisible">erty-america-we-just-don-t-want</span></a></p>
Court of Justice of the EU<p><a href="https://curia.social-network.europa.eu/tags/ECJHighlights" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>ECJHighlights</span></a> <br>⚖️ 03/07 (J): Restrictive measures taken in view of the <a href="https://curia.social-network.europa.eu/tags/war" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>war</span></a> in <a href="https://curia.social-network.europa.eu/tags/Ukraine" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Ukraine</span></a> - freezing of funds (T-742/22) <br>⚖️ 04/07 (J): <a href="https://curia.social-network.europa.eu/tags/Mortgage" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Mortgage</span></a> loans - transparency control in collective action (C-450/22)<br>⚖️ 04/07 (J): Trial by videoconference (C-760/22)</p>
CelloMom On Cars<p>"Higher premiums are also just the tip of the iceberg of the financial risks of <a href="https://mastodon.social/tags/ClimateChange" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>ClimateChange</span></a>. When state-run, last-resort insurance programs become overburdened, taxpayers end up footing the bill. A dwindling tax base and a foreclosure crisis in vulnerable areas could create risks for regional banks and spread risk to the broader economy. Without insurance, there is no <a href="https://mastodon.social/tags/mortgage" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>mortgage</span></a> market."</p><p><a href="https://www.pressdemocrat.com/article/opinion/fabian-to-understand-climate-change-all-you-need-is-an-insurance-policy/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="ellipsis">pressdemocrat.com/article/opin</span><span class="invisible">ion/fabian-to-understand-climate-change-all-you-need-is-an-insurance-policy/</span></a></p>
Paul Chambers🚧<p>Noticed the <a href="https://oldfriends.live/tags/mortgage" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>mortgage</span></a> payment wasn't coming out of my bank account. We mailed it April 26th. Mortgage company got it today, May 14, said it was postmarked April 30, waived late fee.</p><p><a href="https://oldfriends.live/tags/PostOffice" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>PostOffice</span></a> said it went from here &amp; got shipped to another postal center &amp; processed then sent to another center &amp; finally back to the local post office</p><p>Our mortgage payment was late because the <a href="https://oldfriends.live/tags/USPS" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>USPS</span></a> is screwed up</p><p>Our post office, mortgage company &amp; I are within a mile of each other <a href="https://oldfriends.live/tags/AppalachianOhio" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>AppalachianOhio</span></a> <a href="https://oldfriends.live/tags/DeJoy" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>DeJoy</span></a> <a href="https://oldfriends.live/tags/Ohio" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Ohio</span></a></p>
CelloMom On Cars<p>The next <a href="https://mastodon.social/tags/mortgage" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>mortgage</span></a> crisis is brought by <a href="https://mastodon.social/tags/ClimateChange" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>ClimateChange</span></a></p><p>"Properties become increasingly expensive to insure and then they become <a href="https://mastodon.social/tags/uninsurable" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>uninsurable</span></a>. </p><p>And once they become uninsurable, they become unmortgageable. And once buyers can’t get mortgages for those properties, the values crash — because you’ll now only have cash buyers on the demand side."</p><p><a href="https://thehill.com/newsletters/sustainability/4636194-sen-whitehouse-climate-change-could-crash-the-financial-system/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://</span><span class="ellipsis">thehill.com/newsletters/sustai</span><span class="invisible">nability/4636194-sen-whitehouse-climate-change-could-crash-the-financial-system/</span></a><br><a href="https://mastodon.social/tags/HomeInsurance" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>HomeInsurance</span></a></p>