The facts

Discussion in 'Political Action Forum' started by DComeaux, Mar 11, 2021.

  1. DComeaux

    DComeaux Elite Refuge Member

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    On the black community problems in this country, they are not addressing the real issues within the community, rather they put blame on everything and everyone else. So called leaders leading the ignorant sheep. The fix is in plain site but ignored, and more of governments hand in it will not fix the problem. The fix must come from within. It's in their face, just need to see it and react!

    Why are people like Allen West and Candice Owens ignored or silenced? (I already know the answer.) The likes of Sharpton and Jackson did nothing but fuel the mess that we see today. I can name a few other prominent black men and women that the media keep under cover, and I'm really sick of this crap. Someone needs to grab the bull by the horns and flip it on it's azz. I see most living a generational lifestyle that they don't want to let go of, and that's what the government programs were allowed to do. The truth is the truth.
     
  2. H20DAD

    H20DAD Elite Refuge Member

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    You need to quit expecting a duck to act like an eagle.
     
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  3. DComeaux

    DComeaux Elite Refuge Member

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    Found a fitting analogy.
    upload_2021-3-11_9-23-12.png


    A “mouse” was put at the top of a jar filled with grains.
    He was so happy to find so much food around him that no longer he felt the need to run around searching for food and now he could happily live his life.
    After a few days of enjoying the grains, he reached the bottom of the jar.
    Now he was trapped and he couldn't get out of it.
    He now has to solely depend upon someone to put grains in the same jar for him to survive.
    He also may not get the grain of his choice and he cannot choose either.
    Here are a few lessons to learn from this:
    1) Short term pleasures can lead to long-term traps (living on benefits/furlough/spoilt by parents perhaps?).
    2) If things are coming easy and you are getting comfortable, you are getting trapped into dependency.
    3) When you are not using your skills, you will lose more than your skills. You lose your CHOICES and FREEDOM.
    4) Freedom does not come easy but can be lost very quickly.
    NOTHING comes easily in life and if it comes easily, maybe it is not worth it..
     
  4. GeorgiaDawg

    GeorgiaDawg Senior Refuge Member

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    Jumping christ in a handbasket. So government is not the answer, its gotta come from within, huh? How do you square that circle when government is the problem? Do you realize the fact that anyone who is less than 53 years old in this country are the only people in this country who has lived in a nation where it was not federal policy not to make government backed mortgages in zip codes which were not predominantly white, or to make federally backed low interest loans to builders building in zip codes not also mostly white? That means that owning a home was FAR more affordable to white people just 53 years ago. That simply small insignificant item is responsible for heaping piles of wealth in the hands of white people today which was denied, by law, to non white people until 1968. Give non white folks a little time my friend...most white americans have had a couple of hundred years to get their families where they are.
     
  5. blacktail

    blacktail Elite Refuge Member

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    They all could be successful by going into the TV business. Commercials to be exact. Hiring non stop.
     
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  6. pintail2222

    pintail2222 Elite Refuge Member

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    The Community Reinvestment Act was passed over 40 years ago. How’d that work out?

    Sorry but not everybody can afford a mortgage. “Affordable Housing” - affordable for who?

    All one has to do is look at the Federal Government policies, passed by both Dems and Repubs, that lead us to the housing crisis of 2007.
     
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  7. CookMan

    CookMan Elite Refuge Member

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    The same old victim card being played.
     
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  8. pintail2222

    pintail2222 Elite Refuge Member

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    They’ll play that card because they are now getting a $1,400 check for it.

    Unfortunately costs of goods and services are artificially inflated because of it and so it gets eaten right up...

    And the poor get poorer thanks to monetary policy and Government bailouts keeping the market form correcting properly.
     
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  9. GeorgiaDawg

    GeorgiaDawg Senior Refuge Member

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    The CRA was a result of federal regulations in the United States in place from the early 1930's through 1968 which required...did not encourage, but we will get to that in a minute, lending institutions which were involved in federally guaranteed lending, principally mortgages, to limit the loans available to residents in specific zip codes, based on racial demographics, to prevent minority owned banks from having access to federally guaranteed loans thus preventing them competing for loans with lenders not controlled by minorities. This meant that a bank which did make loans in those areas did so at risk to their own money unlike the loans made to people from lenders who were granted access to federally secured loans, in turn making a loan far harder to obtain and far more expensive. It also opened the door for predatory lending which was perfectly acceptable in middle class white America....because they had access to federally secured loans to buy homes and start and expand a business. But of course the playing field in the US has always been level so none of this could possibly be true.

    So the ballyhooed "failings" of the CRA stem from the misguided notions that lenders were required to lend money in areas which had formally been redlined out of the process. This is, of course, incorrect. The CRA encouraged this practice by granting favorable status to lenders who did indeed do so. Many did and did very well for themselves and the customers they served. Many saw it as an opportunity to loan money to anyone capable of signing their signature and then sell that paper to several other entities until one of them found they couldn't find a buyer and sought restitution from the federal government which did indeed make them whole. It was corruption that created the perceived failing, corruption in the form of 125% equity second mortgages with no paperwork, property appraisers working for the lender with no requirement that a property appraise at anything other than whatever the offer was on the property requiring appraisal. Lenders have NEVER been required to lend money to anyone. Lenders lobbied for the ability to do so with less restriction. Given the history of lending prior to 1968 it was an easy sell....if you opposed the idea you were labeled a racist without any consideration that prior to 1968 it wasn't just common to deny people in predominantly non-white zip codes federally guaranteed loans it was in fact the law that you did so....a law based on white lenders desire to limit competition from non-white lenders.

    However, the CRA has proven very successful for many lenders or a pile of races who weren't out to fleece the taxpayer but were, instead, interested in making some money themselves while serving what was and is a severely underserved market which was, by law, underserved for nearly 40 years and was underserved for a couple of hundred prior to that when white lenders would merely eliminate the competition of non white lenders in a manner which required far less paperwork but more rope and lead.....
     
  10. GeorgiaDawg

    GeorgiaDawg Senior Refuge Member

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    So why is it that tax cuts are always a good idea based on the idea that taxpayers would have more of their money in their pocket but somehow the COVID relief either passed or about to be is a handout when it is, in fact, merely putting money which taxpayers paid back in their pockets? The VAST majority of recipients paid taxes last year directly. ALL of them paid taxes inherent in the prices of goods and services they purchased last year. How is allowing them to have their money back in any manner different than cutting their taxes??? There is an awful lot of dishonesty involved in holding the opinion that all tax cuts are all good all the time because it means more money in the pockets of taxpayers yet sending them what is effectively a tax refund, meaning more money in their pockets, is bad. If cutting one person's tax burden a good idea why is it a bad idea to cut another person's tax burden?

    Of course this requires an understanding that businesses do not pay taxes at all because taxation is a production cost which must be passed onto consumers or the business will fail. I have arrived at the conclusion that most conservatives do not know this basic reality.....

    By the way, none of the tax cuts which have been introduced by any president has ever paid for itself in increased revenue. Kennedy, the son of a billionaire criminal, started that silliness with a rising tide lifting all ships.....and we have seen the nations debt and budget deficits sky rocket ever since. But lowering some folks tax burden is always a great idea while lowering someone else's is always a bad idea.....strange that.
     

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