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Discuss what's fucking going on, and which programs are best and worst. One-time "program" announcements from "established" webmasters are allowed. |
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#51 | |
So Fucking Banned
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Join Date: May 2001
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SO you're in the camp that if whites were not in the world, blacks would be in space and have safe societies with low crimes and we'd have vaccines, sky scrapers, and modern technology? Because either it's that or we're not holding them back. |
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#52 | |
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Laws to prevent African American to become successful own property. Still to this day but just under cover. Racist restrictions linger in property deeds, and Portland. Keeping African Amerians from living or owning property. ![]() https://expo.oregonlive.com/erry-201...ow_illega.html ![]() https://www.npr.org/templates/story/...ryId=122484215 Whites-only covenants still exist in many mid-century Spokane neighborhoods | The Spokesman-Review |
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#53 |
So Fucking Banned
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We have poor, uneducated first generation Asian-Americans and Indian-Americans that are "minorities" that came here that could barely speakEnglish. They worked their asses off, saved, raise a family and sent their kids to college. Now we have such productive 2nd and 3rd generation Asians and Indian Americans they outpace whites with household income.
So don't give me that white privilege bullshit. Anyone in America can do it. No matter what color you are. Do the right thing and you'll succeed. Fuck all this excuse bullshit. |
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#54 | |
So Fucking Banned
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Money knows no color. If you have good credit and are gainfully employed you're getting a mortgage. |
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#55 | |
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Lesson 3 Trying to keep African American out of Schools |
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#56 | |
StraightBro
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Location: Monarch Beach, CA USA
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It’s not just bank loan officers with racial biases who discriminate against black and Latino borrowers. Computer algorithms do, too. That is the groundbreaking conclusion of University of California at Berkeley researchers who found that algorithmic credit scoring using big data is no better than humans at evening the playing field when it comes to determining home mortgage interest rates. Both online and human lenders earn 11 to 17 percent higher profits off minority borrowers by charging African Americans and Latinos steeper rates, the study said. Black and Latino consumers pay 5.6 to 8.6 basis points higher interest on home purchase loans than their white or Asian counterparts with similar credit profiles — no matter whether they obtained their loans through a face-to-face process or online. The effect is smaller when it comes to refinancing, with black and Latino borrowers paying 3 basis points more. No progress for African Americans on homeownership, unemployment and incarceration in 50 years The disparity results in African Americans and Latinos, together, paying up to a half a billion dollars more in mortgage interest each year, the study found. “The move away from humans should remove malice forms of discrimination,” said Adair Morse, a finance professor at Berkeley’s Haas School of Business who co-authored the paper. “But we’re moving to an era where we’re using variables to statistically discriminate against people in lending.” The findings are significant as more consumers shop for mortgages online. Nearly half of the 2,000 largest mortgage lenders offer complete online mortgage applications. Morse and her colleagues — Nancy Wallace and Richard Stanton at Haas and Robert Bartlett at Berkeley Law — focused on 30-year, fixed-rate, single-family home loans issued between 2008 and 2015. They were able to link data on interest rates, loan terms, property location, income and credit scores with borrowers’ race for the first time. All the loans were guaranteed by the government-sponsored enterprises Fannie Mae and Freddie Mac, allowing researchers to remove credit risk as a factor in pricing differences. “Even controlling for credit worthiness, we see discriminatory effects in the rates at which borrowers obtain mortgages,” Bartlett said. The Senate is poised to roll back rules meant to root out discrimination by mortgage lenders Researchers said the racial disparities could result from algorithms that use machine learning and big data to charge higher interest rates to borrowers who may be less likely to shop around. For example, the algorithms may take into account a borrower’s neighborhood — noting who lives in banking deserts — or other characteristics such as their high school or college. The consumers least likely to comparison shop also happen to be black or Latino. It’s legal to use statistical data to set prices that help maximize profits — in theory. The problem arises when the data correlates with race, independent of credit risk. Discriminating against minority borrowers — even unintentionally — is illegal unless it’s based on their creditworthiness, Bartlett said. Homeownership and debt are key factors in racial wealth disparities. Bartlett said banks that are increasingly using big data in determining approvals or lending rates should be subject to audit to ensure that their methods do not discriminate against minority borrowers who have the same credit scores as whites. The researchers outlined a couple of silver linings in their study. Increased competition among lenders has resulted in less discrimination overall. And when it comes to determining whether to accept or reject a loan, online lenders do not discriminate against minorities — whereas their human counterparts are 4 percent more likely to reject Latino and African American borrowers. If anything, the online lenders end up catering to those discriminated against by face-to-face lenders, the study found. “Rejecting loans would be money left on the table for lenders,” Morse said. |
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#57 |
So Fucking Banned
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#58 | |
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#59 | |
StraightBro
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Why do you keep telling lies dude? First you say they didn't have slavery in Canada and the UK like America, which they did for 200 years, now you say there is no segregation which they both had. Black History Canada - End of Segregation Segregation in Canada ended in 1965 Jim Crow in Britain in the 1840s and 1940s Segregation in the UK ended in the 1963 |
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#60 | |
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Life in the wonderful world of the fictitious non Racist America were African American live. This is some fucked up shit African American have lived through and continue to live though. And you keep asking why nothing has changed why why why. THIS IS WHY. OPEN YOUE EYES!!! |
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#61 |
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Those pesky Democrats and their KKK, Jim Crowe Laws, open racism, segregation, lynching, Confederacy and slavery.
__________________
. Yes, fewer illegal immigrants working equates to more job opportunities for American citizens. Rochard |
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#62 | |
So Fucking Banned
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Can't do it!!! You're argument = shit and you know it. |
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#63 |
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The first 23 black senators were all REPUBLICAN. But Yay Democrats
cause..... uhm...... er... well,.... surely there must be.... ?... ![]() ![]()
__________________
. Yes, fewer illegal immigrants working equates to more job opportunities for American citizens. Rochard |
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#64 | |
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Please educate yourself why there are no African First world countries. This is why. France has held the national reserves of 14 African countries since 1961: Benin, Burkina Faso, Ivory Coast, Mali, Niger, Senegal, Togo, Cameroon, Central African Republic, Guinea Bissau, Equatorial Guinea, Chad, Congo-Brazzaville and Gabon France still robbing its 'former' African colonies https://www.pambazuka.org/governance...rican-colonies https://www.worldbulletin.net/africa...a-h152967.html https://blogs.lse.ac.uk/africaatlse/...ism-in-africa/ Not one Inch ![]() |
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#65 | |
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The truth is the most prosperous and modern African countries are the colonized ones. Africa needs MORE colonization. But you'll always find an excuse and that's why I ask if whites disappeared off the face of the earth tomorrow would all the black and brown countries take over the torch and lead the world in science and technology? Would they becomes safe and crime free? |
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#66 |
Too lazy to set a custom title
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One can benefit from avoiding race baiting threads . . .
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FLASH SALE INSANITY! deal with a 100% Trusted Seller Buy Traffic Spots on a High-Quality Network 1 Year or Lifetime — That’s Right, Until the Internet Explodes! |
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#67 |
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14 african countries are obliged by France, through a colonial pact, to put 85% of their foreign reserve into France central bank under French minister of Finance control.They are effectively putting in 500 Billion dollars every year to the French treasury. African leaders who refuse are killed or victim of coup.
forced to use the franc, kill presidents if don’t agree. When Guinea demanded independence from French colonial rule in 1958, the French unleashed their fury with more than 3,000 leaving the country taking their entire property. In addition, they destroyed anything that couldn't be taken – destroying schools, nurseries, public administration buildings, cars, books, medicine, research institute instruments, tractors were crushed and sabotaged, animals killed and food in warehouses were burned or poisoned. In effect they were sending a message to all other colonies that the consequences for rejecting France would be high. The main points being that the African countries should deposit their national monetary reserves in the France Central Bank. France has been holding the national reserves of fourteen african countries since 1961: Benin, Burkina Faso, Guinea-Bissau, Ivory Coast, Mali, Niger, Senegal, Togo, Cameroon, Central African Republic, Chad, Congo-Brazzaville, Equatorial Guinea and Gabon. Obligation to ally with France in situation of war or global crisis |
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#68 |
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Bosa, you're the wehateporn of white supremacy. All you do is seek out opinions that match your own and then post those yt videos.
See I can do that too. ![]() |
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#69 | |
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What other opinion should I have on white supremacy? Should I approve? I didn't think you would read it all. Easier to see history in videos. Please watch the videos and then lets see if you have the same outlook. If so. I give up. You won't be able to be educated on the plight of others and feel no sympathy for them. Stating American History and the poor treatment of others is not a hatred of White People. It's just history. It's strange you feel this way. Acknowledge the problem and lets fix it. Don't deflect and ignore it. Those who forget the past are doomed to repeat it. Whatever. If you still want to be a mean bitter person that hates African Americans and others after all this. Then ok. I love everyone. Every race. Have a beautiful life. No need to write in this tread anymore. Lets end it here. Agree to disagree. I will never change my views on the subject. Racism and victim blaming is wrong. ![]() ![]() |
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#70 | |
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Do black people bear any responsibility for where they are today or are they helpless victims of white supremacy? And maybe instead of pasting articles and flooding every thread full of yt videos maybe you could lay out some of your own thoughts on the matter? |
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#71 |
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^trump already got this dude forgetting a black man was his president.
Us colored folks are on a great path to the 2040's. No thanks to you guys. Yall to blame for the shit we crawling out of. But we good bro. We got this. We fought and died for that. We take all responsibility for where we at today. Cause yall just wanted us to be 3/5th's of a human. Our numbers are higher than they've ever been and America is safer than it's ever been... and continuing to be safer as the 2040's come roaring. Yall out here anti-vaxxing and mass shooting and suiciding yallselves at an ever increasing rate. The question is, who yall gonna blame for yall downfall and exposure as the real genetic degenerates? |
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#72 | |
StraightBro
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Why should this guy do any fucking thing you say? When people post information to back you into a corner with your fucking lies you ignore them. clearly he's been watching how you interact with me and whenever you're backed into a corner you just go on to the next topic so who fucking cares what you think they should do? |
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#73 | |
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#74 |
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#75 |
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Let us live under the dream of the great MLK, who said, "Judge not a man by the color of his skin. But by the content of his character."
I believe MLK wanted his children and grandchildren, and all people in this nation, to live in a colorblind society. For this generation to forget his words, and not live by them, in my opinion, it is the second assassination of MLK. Its willfully erasing his memory from existence. Any step away from MLK is a step toward racism.
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#76 | |
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__________________
. Yes, fewer illegal immigrants working equates to more job opportunities for American citizens. Rochard |
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#77 |
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#78 | |
StraightBro
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