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What's The Last Movie You’ve Seen?

Last night I found Fatman while hunting for something different to stream. Not what I expected out of a Christmas themed movie with Santa, but I was amused. I looked up it's box office results and they were among the worst I've ever seen. Violent Night is better, but it wasn't terrible.
 
Watched Predator: Badlands. I had seen the trailer and thought it looked dumb. I never watched any predator movies other than the OG one. These movies are not my type I usually like. But the reviews were quite good and I decided to give it a try.

Thought is was pretty great. Lots of the typical dumb crap that stems from this genre of movie but the fight scenes were amazing and the visuals were fantastic and the story was decent and some of the emotional stuff even kind of worked.
 
Watching The Big Short right now. I figure many of you have already seen it cause its pretty old but wow, so far its amazing. Cant beat the cast. Steve Carrell, Brad Pitt, Ryan Gosling, Christian Bale, and a bunch of other lesser known but great actors.
Im about halfway through but so far its one of my favorite movies I have seen this year.
 
fishonjazz said:
Watching The Big Short right now. I figure many of you have already seen it cause its pretty old but wow, so far its amazing. Cant beat the cast. Steve Carrell, Brad Pitt, Ryan Gosling, Christian Bale, and a bunch of other lesser known but great actors.
Im about halfway through but so far its one of my favorite movies I have seen this year.
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Great movie but also sickening. Big bankers and huge investment firms and SEC regulators and Credit bureaus were all in league together and knew that what they were was wrong and fraudulent and against the law.
A couple of lines that really stand out: "When the dust settled from the collapse, 5 trillion dollars in pension money, real estate value, 401k, savings, and bonds had disappeared. 8 million people lost their jobs, 6 million lost their homes. And that was just in the USA.". It was an economic worldwide collapse.
"I have a feeling that in a few years people will be blaming immigrants and poor people," foreshadowing the public scapegoating for the 2007/08 financial crisis that actually harmed them, even though Wall Street caused it. Like usual, the poor and immigrants get blamed for economic issues.
The real estate agencies and banks would literally go after immigrants knowing that they would have no chance at understanding all the fine print and interest rates etc and that they would just sign documents if it meant having a home. Just disgusting predatory behavior.
"Every one percent unemployment goes up, 40,000 people die. Staggering.
To prevent another mortgage collapse, the U.S. enacted major laws like the Dodd-Frank Act (2010), creating consumer protections (CFPB, Ability-to-Repay rules) and regulating big banks, and the Housing and Economic Recovery Act (HERA, 2008), reforming Fannie Mae/Freddie Mac and creating the S.A.F.E. Act for mortgage originator licensing, aiming to curb risky lending and boost transparency. These reforms focused on stricter lending standards, better oversight, and consumer protection against predatory practices that fueled the 2008 crisis. And of course since these logical, smart, helpful things were put in place to prevent this from ever happening again by Obama, trump weakened these regulations citing what he called a "disastrous" law that burdened the economy and hindered lending. (which is the reason for its existence. Banks were lending way too much money to people with poor credit, no job, and no money). Critics argued the trump rollback weakened the financial system, potentially inviting risks that led to the 2008 crisis. The partial deregulation was later cited by some as a contributing factor to the failures of banks like Silicon Valley Bank in 2023.
After all these wealthy people acted fraudulently and carelessly with so many peoples money and causes so many to lose their jobs and homes and money, none of them were held accountable. They didn't lose money. They didn't go to jail. In fact, they were awarded government bailouts using tax payer money and they all gave themselves massive bonuses with the bailout money.

Its amazing that Obama became president right as this was happening (it all began under George Bush presidency of course) and that he was able to navigate us through the tragedy to the point that the economy was booming once again when he left office. Leaving a great economy for trump to walk into. Then of course trump set up the next president with another **** show economy to walk into that Biden administration navigated very well (especially compared to the other countries of the world), all for trump to walk into another good economic situation that he is currently doing his best to **** up.
 
fishonjazz said:
Great movie but also sickening. Big bankers and huge investment firms and SEC regulators and Credit bureaus were all in league together and knew that what they were was wrong and fraudulent and against the law.
A couple of lines that really stand out: "When the dust settled from the collapse, 5 trillion dollars in pension money, real estate value, 401k, savings, and bonds had disappeared. 8 million people lost their jobs, 6 million lost their homes. And that was just in the USA.". It was an economic worldwide collapse.
"I have a feeling that in a few years people will be blaming immigrants and poor people," foreshadowing the public scapegoating for the 2007/08 financial crisis that actually harmed them, even though Wall Street caused it. Like usual, the poor and immigrants get blamed for economic issues.
The real estate agencies and banks would literally go after immigrants knowing that they would have no chance at understanding all the fine print and interest rates etc and that they would just sign documents if it meant having a home. Just disgusting predatory behavior.
"Every one percent unemployment goes up, 40,000 people die. Staggering.
To prevent another mortgage collapse, the U.S. enacted major laws like the Dodd-Frank Act (2010), creating consumer protections (CFPB, Ability-to-Repay rules) and regulating big banks, and the Housing and Economic Recovery Act (HERA, 2008), reforming Fannie Mae/Freddie Mac and creating the S.A.F.E. Act for mortgage originator licensing, aiming to curb risky lending and boost transparency. These reforms focused on stricter lending standards, better oversight, and consumer protection against predatory practices that fueled the 2008 crisis. And of course since these logical, smart, helpful things were put in place to prevent this from ever happening again by Obama, trump weakened these regulations citing what he called a "disastrous" law that burdened the economy and hindered lending. (which is the reason for its existence. Banks were lending way too much money to people with poor credit, no job, and no money). Critics argued the trump rollback weakened the financial system, potentially inviting risks that led to the 2008 crisis. The partial deregulation was later cited by some as a contributing factor to the failures of banks like Silicon Valley Bank in 2023.
After all these wealthy people acted fraudulently and carelessly with so many peoples money and causes so many to lose their jobs and homes and money, none of them were held accountable. They didn't lose money. They didn't go to jail. In fact, they were awarded government bailouts using tax payer money and they all gave themselves massive bonuses with the bailout money.

Its amazing that Obama became president right as this was happening (it all began under George Bush presidency of course) and that he was able to navigate us through the tragedy to the point that the economy was booming once again when he left office. Leaving a great economy for trump to walk into. Then of course trump set up the next president with another **** show economy to walk into that Biden administration navigated very well (especially compared to the other countries of the world), all for trump to walk into another good economic situation that he is currently doing his best to **** up.
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I agree with basically all that you said but I’ll play devils advocate to the it’s poor peoples fault. At some point adults need to adult and take accountability for their actions. Sure banks were giving out loans to people who couldn’t really afford them but as adults, people should know how much they can afford given their basic monthly expenses. Way too many people live beyond their means because they feel they deserve to imo and they feel as if they’ll figure it out if bills get tough.
 
Miggs said:
I agree with basically all that you said but I’ll play devils advocate to the it’s poor peoples fault. At some point adults need to adult and take accountability for their actions. Sure banks were giving out loans to people who couldn’t really afford them but as adults, people should know how much they can afford given their basic monthly expenses. Way too many people live beyond their means because they feel they deserve to imo and they feel as if they’ll figure it out if bills get tough.
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For sure. The issue was partly because banks and real estate industry weren't being transparent with their contracts. People didn't know what they were signing. 100 page long contracts with hella fine print and confusing verbage with lots of unknown acronyms and agents unwilling to explain terms.

Was really necessary to have a good lawyer with you when buying a home to go over everything. But alas poor people and immigrants who barely speak English aren't synonymous with good lawyers.

The industry was intentionally non transparent and predatory.
To your point, I remember at the time being mad a people who were making $12 asking for $300,000 loans. That's dumb

But some agents are good at throwing bs numbers at borrowers to make them think that they can afford it. And they were using adjustable rates that were misleading.

But the main issue here is that you and I and the majority of the country put the vast majority of the blame on poor people and let the rich people who were literally breaking the law get off with very little blame. Like always.
Sent from my OPD2203 using Tapatalk
 
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fishonjazz said:
For sure. The issue was partly because banks and real estate industry weren't being transparent with their contracts. People didn't know what they were signing. 100 page long contracts with hella fine print and confusing verbage with lots of unknown acronyms and agents unwilling to explain terms.

Was really necessary to have a good lawyer with you when buying a home to go over everything. But alas poor people and immigrants who barely speak English aren't synonymous with good lawyers.

The industry was intentionally non transparent and predatory.
To your point, I remember at the time being mad a people who were making $12 asking for $300,000 loans. That's dumb

But some agents are good at throwing bs numbers at borrowers to make them think that they can afford it. And they were using adjustable rates that were misleading.

But the main issue here is that you and I and the majority of the country put the vast majority of the blame on poor people and let the rich people who were literally breaking the law get off with very little blame. Like always.
Sent from my OPD2203 using Tapatalk
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I mean, it was predatory lending for sure but everything you said doesn’t change the fact adults should know what their payment (property taxes and homeowners included) is going to be and if it’s a 30 year fixed rate or if it’s another type, one of those interest only balloon payments or one with an arm, etc.

This was a Dem fail too fwiw. Clinton repealed an Act (something Steagle iirc) that had been around since I believe the Great Depression. It was there to protect people from just this sort of thing from happening. His hope was that more people would be able to buy homes. At least that was supposedly his hope.

My biggest gripe when all of it transpired was with the executives being allowed to collect massive bonuses. It wasn’t stock options vesting. It was bonuses in excess of 15 million iirc. That’s insane to me. A guy ran a company into the ground, thousands at the firm lose jobs, and we’re going to give the guy a bonus for that???? That’s ********. **** him. Let him rot and have his family move from their 18 million home into a 9 million dollar home.
 
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Just finished a movie called Die My Love starring Jennifer Lawrence and Robert Pattinson.
It was horrible. Worst movie I have seen in a long time. Even Jennifer Lawrence being nude many times throughout the movie (that woman sure isn't shy) couldn't salvage it.
 
fishonjazz said:
For sure. The issue was partly because banks and real estate industry weren't being transparent with their contracts. People didn't know what they were signing. 100 page long contracts with hella fine print and confusing verbage with lots of unknown acronyms and agents unwilling to explain terms.

Was really necessary to have a good lawyer with you when buying a home to go over everything. But alas poor people and immigrants who barely speak English aren't synonymous with good lawyers.

The industry was intentionally non transparent and predatory.
To your point, I remember at the time being mad a people who were making $12 asking for $300,000 loans. That's dumb

But some agents are good at throwing bs numbers at borrowers to make them think that they can afford it. And they were using adjustable rates that were misleading.

But the main issue here is that you and I and the majority of the country put the vast majority of the blame on poor people and let the rich people who were literally breaking the law get off with very little blame. Like always.
Sent from my OPD2203 using Tapatalk
Click to expand...
I remember being pitched an adjustable rate mortgage and part of it was them telling me that "all you have to do is refinance before the higher rate kicks in." This was in 2006. If I had taken that loan I never would have been able to refinance because property values dropped in 2008 and while they have more than rebounded, I would have been stuck with a monthly payment that I never would have been able to afford and I would be out of the house that I've been living in for the last 19 years. Luckily it all sounded like too much **** to deal with and we qualified for a traditional 30 year mortgage with a hefty down payment that I had due to losing a parent earlier that year and having a life insurance payout to put towards it.
 
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