***Official Political Discussion Thread***

[wavy daddy]

Pics of the rich wife.

 

[SneakerProSr.]

Dude you're down playing the discrimination black people face in credit markets. So what if it is not universal

It still goes, on, is a major problem. It going on at all is unacceptable.

My dude discrimination takes place in every facet of American life, I'm not arguing that.

What I am arguing that in 2016 given the wealth of lending options available to Black people in America today is possible with a small amount information to receive fair mortgage damn near anywhere in America.

I believe this so much I will literally personally help folks if need be.

 

[daddy style]

Dude you're down playing the discrimination black people face in credit markets. So what if it is not universal

It still goes on, it is a major problem, and it is unacceptable.

You see what I was talking about? Why should black people want to continue to integrate into that?!

 

[wr]

Silly to think that housing financing would have anything to do with housing discrimination(sarcasm)

 

[daddy style]

Silly to think that housing financing would have anything to do with housing discrimination(sarcasm)

You saw that huh? lololol.

 

[RustyShackleford]

Dude you're down playing the discrimination black people face in credit markets. So what if it is not universal

It still goes on, it is a major problem, and it is unacceptable.

You see what I was talking about? Why should black people want to continue to integrate into that?!

This doesn't provide evidence to your point though

-Because there is a flip side like dude mentioned, neither way is universal

-So now black people have to build the own credit and lending system too? Do you know what kind of monumental task that is.

-The major problems are a) information problems that allow black people to get finessed b) weak enforcement of discrimination laws. Stronger consumer protection laws and enforcement are more sensible thing to fight for instead of moving toward complete separation. And lending through trustworthy outlets

 

[daddy style]

This doesn't provide evidence to your point at all.

-Because there is a flip side like dude mentioned, neither way is universal

-So now black people have to build the own credit and lending system too? Do you know what kind of monumental task that is.

-The major problems are a) information problems that allow black people to get finessed b) weak enforcement of discrimination laws. Stronger consumer protection laws and enforcement are more sensible thing to fight for instead of moving toward complete separation. And lending through trustworthy outlets

The ancestors had it worse, survived much worse, then would be on our side if the effort were made. America is headed for a financial downfall, and Trump is gathering up the minions just in case it happens under his watch. My hope is more like a wish, but if and when this country fails, black people are going to have no other choice. Just watch, it is about to get rough out here.

 

[EddieDoyers]

I don't get why you guys are attacking SneakerPro
Dude is trying to help out victims of discriminatory loans
He may have underestimated the discrimination, but that doesn't mean he's willfully trying to ignore the situation

 

[DeadsetAce]

I don't get why you guys are attacking SneakerPro
Dude is trying to help out victims of discriminatory loans
He may have underestimated the discrimination, but that doesn't mean he's willfully trying to ignore the situation

people just see that he's not in agreement and stop reading

 

[RustyShackleford]

This doesn't provide evidence to your point at all.

-Because there is a flip side like dude mentioned, neither way is universal

-So now black people have to build the own credit and lending system too? Do you know what kind of monumental task that is.

-The major problems are a) information problems that allow black people to get finessed b) weak enforcement of discrimination laws. Stronger consumer protection laws and enforcement are more sensible thing to fight for instead of moving toward complete separation. And lending through trustworthy outlets

The ancestors had it worse, survived much worse, then would be on our side if the effort were made. America is headed for a financial downfall, and Trump is gathering up the minions just in case it happens under his watch. My hope is more like a wish, but if and when this country fails, black people are going to have no other choice. Just watch, it is about to get rough out here.

Well we have a different view on things

I hate Trump, I hate what he stands for, I know what that clown is planning. He will fix none of the structural problems in the economy, just use deficit spending and tax cuts to overheat the economy so the elites can rob the middle class some more and he can have temporary metrics to brag about.

I understand he is probably putting a time bomb on the economy again.

But I sure as hell hopes this don't get disastrous though. Lives will be ruin, economics lives will be lost, and I'm not gonna willing for some of my people to be martyred so that everyone falls in line behind one idea.

This is not the path I want to take.

 

[EddieDoyers]

I don't get why you guys are attacking SneakerPro
Dude is trying to help out victims of discriminatory loans
He may have underestimated the discrimination, but that doesn't mean he's willfully trying to ignore the situation

people just see that he's not in agreement and stop reading

I just think at times,even I sometimes do this, we dismiss another person's experience quick and don't allow them to get on common ground. What eventually happens is that it gets to the point of throwing shade. That's never gonna win people over.

 

[deleted]

So just so we are on the same page, because two companies discriminated against minorities, no Black people can get fair loans in 2016?


I'm not even going to debate this and I'll actually provide a somewhat of a solution. If anyone wants to buy a home in a minority neighboorhood PM me.

You might be getting too wrapped up in the phrasing of "no black people"

Sure it's possible for black people to find a fair loan in 2016

But wouldn't you agree that the extra effort necessary just to make sure that a certain lender isn't engaging in discriminatory practices is an indicator that the process as a whole is unfair?

 

[SneakerProSr.]

The single biggest factor in Black people's ability to gain wealth has been lack of home ownership.

Do I think they have set us up to fail systemically over the years? Yes.

But I know first hand there are enough lenders today that just want your damn money and really don't care about race as long as your credit is straight and they will give you the same rates as anyone else with the same credit profile.

 

[wr]

But getting a higher interest rate for being black is still discrimination.


We're past being able to obtain a loan.

 

[whywesteppin]

why are we attacking each other and trying to one-up other minorities? you really think this nation has any hope if we don't find a way to stand together?

it starts with what eddie said above. give people a chance and listen to them. especially people who mean well. once we know someone is a troll then you can go after them.

anyway, everyone should take 30 minutes out of their day to read this article:

http://www.newyorker.com/magazine/2016/11/28/obama-reckons-with-a-trump-presidency

I'm not going to post any excerpts. just find yourself a comfortable couch and read it. it's about Obama and his feelings about his presidency, trump, and this nation.

this is why Obama will go down as one of our best presidents and why everyone who turned on him can go choke on a ****.

 

[Master Zik]

Pics of the rich wife.

Only thing dude is good for now.

Dude you're down playing the discrimination black people face in credit markets. So what if it is not universal

It still goes on, it is a major problem, and it is unacceptable.

You see what I was talking about? Why should black people want to continue to integrate into that?!

This doesn't provide evidence to your point though

-Because there is a flip side like dude mentioned, neither way is universal

-So now black people have to build the own credit and lending system too? Do you know what kind of monumental task that is.

-The major problems are a) information problems that allow black people to get finessed b) weak enforcement of discrimination laws. Stronger consumer protection laws and enforcement are more sensible thing to fight for instead of moving toward complete separation. And lending through trustworthy outlets

Son basically want to form his own country (I assume within in this country).

Aint gonna be Wakanda though.

 

[SneakerProSr.]

But getting a higher interest rate for being black is still discrimination.


We're past being able to obtain a loan.

There are enough lenders that won't tax you today, you simply have to shop around like anything else.

 

[EddieDoyers]

But getting a higher interest rate for being black is still discrimination.


We're past being able to obtain a loan.

There are enough lenders that won't tax you today, you simply have to shop around like anything else.

How can people find trustworthy lenders though? There has to be some community support where people can spread word of mouth that certain lenders are willing to help you in your investment

 

[SneakerProSr.]

But getting a higher interest rate for being black is still discrimination.


We're past being able to obtain a loan.

There are enough lenders that won't tax you today, you simply have to shop around like anything else.

How can people find trustworthy lenders though? There has to be some community support where people can spread word of mouth that certain lenders are willing to help you in your investment

https://www.oneunited.com/loans/

If you are trying to bank Black and you are in California there you go.

Personally, a local credit union is going to show you more love without any funny business than any of the large corporate banks.

I'd stay away from the Wells Fargos, Chases of the world even if they weren't on some racist ****.

Auto loans, mortgages pretty much any loan product is going to be cheaper from a Credit Union vs a large corporate bank in my experience unless you have A+ credit.

 

[nyc757]

Dude we are not integrated, that is the problem.

Black communities are still segregated like crazy, if your upper middle class black, you more likely to be living around lower class middle class black people that white people in your same income bracket. School busing was a major success for black kids, and it being rolled back is one of the reason our school are so bad.

You mention the loan thing. You like many other black people think it is a combined effort of racist lenders just to target black people, which in some cases it is true, but one of the reason is that black people are segregated into neighborhoods, those neighborhood have a lot of crime, those neighborhoods have a lot of lower income people, and just by algorithm, a black person might be flagged as a higher risk lender and denied a loan. These types of statistical discrimination would only get worst if we separate ourselves more.

Because the way our schools are funded, black schools would get under funded, infrastructure projects like highways would go right through black neighborhoods, police will target black neighborhoods. Matter of fact,there will be one giant target on our backs.

There problem is not that we integrated, it is we didn't integrate all the way, and in most cases our neighborhoods are extremely segregated.

Separation sounds nice, but it is a major hustling backwards move.

-That would be the GOP dream too. Black people all in one area so gerrymandering is now a breeze, and we know which places get less voting stations

Youve made some quite interesting post in this thread and many valid points but some Black theorist believe just the opposite about busing kids out of their neighborhood. 

My wife whos in education speaks on this subject quite often and how the importance of seeing successful faces in your environment does more than just dropping your kid off in a pristine environment/school. 

While @daddy style  suggestion of 100% inclusive might not be the end all cure, there is psychological data that supports some form of it. 

Do I think certain companies prey on minorities? Sure.

 

I think this is the issue that some posters were referring too, the "sure" part is huge on a group minorities.  

If you are black, no it isn't. Ever been to Harlem?

Sad part the city, soon the island of Manhattan will be Disney Land for the people who have. 

My dude discrimination takes place in every facet of American life, I'm not arguing that.

What I am arguing that in 2016 given the wealth of lending options available to Black people in America today is possible with a small amount information to receive fair mortgage damn near anywhere in America.

I believe this so much I will literally personally help folks if need be.

Before you paint such a broad stroke of " its so easy to get a loan" try meeting some of the people in your town. 

Im sure there are free seminars that you can participate in and help people achieve " The American Dream" 

 

[iDon’tRead]

The trump episode is on nick at nite

 

[EddieDoyers]

Obama

 

[ninjahood]

“We have lost over 60 seats since 2010,” he said. “We have the fewest Democrats in state and federal offices since Reconstruction. At this time of fear and disillusionment, we owe it to our constituencies to listen and bring a new voice into leadership.”
Ryan argued that everyone in the party should reevaluate their roles, not only in the House Democratic caucus, but in the Democratic Party and the nation.

https://www.google.com/amp/amp.usatoday.com/story/94038696/

Nancy Pelosi got da long knives out for her.

guess dems are scared of becoming a regional party.

 

[jjs07]

Oh, Kanye...

Kanye West: I didn't vote but if I did, 'I would have voted for Trump'

 

[SC kid]

He say that noooww lol