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ScottAdamsSays's profile
Scott Adams
Scott Adams
Scott Adams
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@ScottAdamsSays

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Scott AdamsVerified account

@ScottAdamsSays

My Micro Lesson (2-4 min. videos) on being more happier and more effective in life are on Locals: http://bit.ly/2Ygv2tf 

Pleasanton CA
youtube.com/c/realCoffeeWi…
Joined October 2014

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    1.  🇺🇸 Aldo Solares  🇺🇸‏ @aldoluvs 5 Jan 2019

       🇺🇸 Aldo Solares  🇺🇸 Retweeted Scott Adams

      If climate change and/or the risks of global warming were real, the banks would not lend money to real estate investors to geographical locations that are deemed ‘at-risk’. That said, it shouldn’t stop us from doing the right thing for our environment. #climatechangehttps://twitter.com/ScottAdamsSays/status/1081538829511622660 …

       🇺🇸 Aldo Solares  🇺🇸 added,

      Scott AdamsVerified account @ScottAdamsSays
      Replying to @tan123
      That is a weird article. "Climate change is almost certain to reverse" the increase in ice for the past several years?
      7 replies 1 retweet 11 likes
    2. Scott Adams‏Verified account @ScottAdamsSays 5 Jan 2019
      Replying to @aldoluvs

      False. They would require flood/wind insurance and only make loans to people who could pay off the mortgage no matter what happened to the property. (Rich people.) And insurance renews annually. No big risk for them either. They can bail out as soon as the going gets bad.

      23 replies 6 retweets 87 likes
    3. Pravi Seljak‏ @SeljakPravi 5 Jan 2019
      Replying to @ScottAdamsSays @aldoluvs

      Neither of you understand how mortgages work. All modern financial transactions involve middlemen with no skin in the game who ultimately leave all risk with the public.

      1 reply 0 retweets 3 likes
      Scott Adams‏Verified account @ScottAdamsSays 5 Jan 2019
      Replying to @SeljakPravi @aldoluvs

      I was a banker and a commercial lender in between my economics degree and my MBA. Banks have to manage the risk from the start or eventually no one will buy loans from them. I agree mistakes are made, but the originating bank does manage risk and has plenty of skin in the game.

      9:48 AM - 5 Jan 2019
      • 9 Likes
      • Cole Knapp Patrick Kevin Watson Lunch77 TallDave B. Machiavelli 🇺🇸 Aldo Solares 🇺🇸 Isinglass Dryden Brown
      2 replies 0 retweets 9 likes
        1. Pravi Seljak‏ @SeljakPravi 5 Jan 2019
          Replying to @ScottAdamsSays @aldoluvs

          Mistakes were made? Glad to know they learned from them and took the punishing consequences for it. You're not a banker now and neither is Angleo Mozilo. You have demonstrated that you've got better things to do with yourself. Doubt he can say the same.

          0 replies 0 retweets 0 likes
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        1.  🇨🇦 🇬🇧Soshul Distan Singh‏ @soshuldistansin 5 Jan 2019
          Replying to @ScottAdamsSays @SeljakPravi @aldoluvs

          The mortgage is secured by the property. There is usually no cross default to the borrower’s other assets. The bank & the borrower would be looking to the insurance Co to make them whole. If climate change made the insurance too risky the price of the property would collapse.

          0 replies 0 retweets 1 like
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