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arthur_affect's profile
Arthur Chu
Arthur Chu
Arthur Chu
Verified account
@arthur_affect

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Arthur ChuVerified account

@arthur_affect

Mad genius, comedian, actor, and freelance voiceover artist broadcasting from the distant shores of Lake Erie (he/him)

Broadview Heights, Ohio
arthur-chu.com
Joined August 2009

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    1. Arthur Chu‏Verified account @arthur_affect Feb 7

      Arthur Chu Retweeted Dr. Steven W. Thrasher

      Don't get me started on the big new idea on Wall Street to turn rent payments themselves into a securitized financial product (as opposed to doing this indirectly via selling mortgages to landlords)https://twitter.com/thrasherxy/status/1358632730217562112 …

      Arthur Chu added,

      Dr. Steven W. ThrasherVerified account @thrasherxy
      I am naive—perhaps because I am a landless homosexual hick from Oxnard unencumbered by a mortgage—but the housing part confuses me the most. Like, how is shelter something we don't just need and somehow perversely, an abstract financial product?! It doesn't make any sense!
      Show this thread
      3 replies 19 retweets 71 likes
      Show this thread
    2. Arthur Chu‏Verified account @arthur_affect Feb 7

      The 2009 crisis was partly a result of a lot of people fucking each other over through loopholes this way Like, those mortgages were supposed to be a stable investment because they were meant to go to homeowners, who are way more likely to stick it out long-term than investors

      1 reply 2 retweets 28 likes
      Show this thread
    3. Arthur Chu‏Verified account @arthur_affect Feb 7

      But a lot of investors wanting to take advantage of the mortgage boom and the easy credit just blatantly lied -- either via a simple loophole (live in the house a year as the mortgage originator to fulfill your contract terms, then flip it or rent it out) or just outright fraud

      2 replies 0 retweets 16 likes
      Show this thread
      Arthur Chu‏Verified account @arthur_affect Feb 7

      And the people they were theoretically defrauding (the banks and their underwriters) didn't give a shit and didn't bother to check because the whole system had become just creating new mortgage debt and then immediately passing the hot potato onto the open financial markets

      8:28 PM - 7 Feb 2021
      • 22 Likes
      • ZJ Thorne 🦙Undercover Llama Miles Chelsea Gaither has books! Debbie Seltzer Caleb Alexander unfortunate🔰🏴 (he/him) Civil War 2: The Squeakquel Brandon Perlow
      2 replies 0 retweets 22 likes
        1. Arthur Chu‏Verified account @arthur_affect Feb 7

          Just bad shit all around

          1 reply 0 retweets 18 likes
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        2. Laurent Weppe  🔻‏ @Laurent_Weppe Feb 8
          Replying to @arthur_affect

          The most memorable scene in the big short movie is the one where Steve Carell's character visits Florida and meet a man supposed to be evicted from his home, only to discover that he's a renter who's always paid on time and that it's the landlord who's beeing evicted.

          1 reply 0 retweets 1 like
        3. Laurent Weppe  🔻‏ @Laurent_Weppe Feb 8
          Replying to @Laurent_Weppe @arthur_affect

          Implied here is that one of the cause of the upcoming crisis was not "poor people being financially illiterate" but shitty landlords treating the rents like their disposable income

          0 replies 0 retweets 1 like
        4. End of conversation

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