Meanwhile, California’s non-discriminatory illegal immigration policy continues to bring the lowest actors from shit counties, keeping Southern California on track as an emerging third world hellhole.

Happy Temporary Independence Day, everyone…

https://www.yahoo.com/news/california-man-arrested-illegal-homemade-163852305.html

Default rate comparisons are useful

I am going to call bullshit on the story about the lady in Indiana doubling the selling price of her home by having a white friend pose as the seller.

https://skylarbakerjordan.com/about/

He has one skill set, and that’s turning in copy on time. The question is is that who they want or is that the only sort of person going into journalism these days?

Men pay taxes
Women live off them pic.twitter.com/d4Wh3dqT17

— 🌴Franks of Arabia🌴 (@Killerk58) July 4, 2021

I knew it!

“Last month, I was horrified but not surprised by the story of a Black woman in Indiana who discovered her home value doubled when she had a white friend stand in as the homeowner.”

Show of hands. How many people don’t think that is a lie?

That’s what I thought. If nothing else the disparity in capitalization used by this writer gives it away as a lie.

.. help loan officers and underwriters better understand the law.

Fuzzy laws (100% of the laws produced in this country since way back) are great news for lawyers.

Get the licensed-lawyers OUT of the legislative branch.

Lawyers make up 0.4% of the population, but probably > 20% of lawmakers; ~40% of Congress. Trump was not a lawyer.

Licensed lawyers should only be eligible to serve in the judicial (of course their own institution is the most f’d-up of all).

Any lawyer who wants to work as a non-judicial staffer, (e.g. congressional aide, DoJ) should have to surrender his license to practice, with no possibility of post-career reinstatement for ten years or until all judges of his level of government, sitting at the time of such surrender, have retired (whichever is longer).

Happy 4th, gentlemen.

Years ago I took a Standford MOOC and one of the lectures involved Trevor Hastie introducing a dataset table detailing the different factors found most critical to housing prices in the US.

It must have been the first time he saw it because he went over the names of the first few headers and then abruptly stopped himself and nervously said ‘Among others…’ before he read out ‘Percent Black’. Made all the funnier from his Afrikaner accent.

Black borrowers are 80% more likely to be denied a mortgage than white borrowers.

Control for credit score and get back to me. Or not.

“The pandemic has exasperated gentrification.” Well, yes, a lot of things are exasperating.

Skylar is as ridiculous a respelling of Schuyler as any of the popular mockeries of Michaela, of which there are many. Keeping Tyler (a fad boy’s name taken from a 19th-century presidential surname) from being confused with @Taylor (a fad girl’s name taken from a 19th-century presidential surname) was fairly easy.

But who can keep straight Skylar/Skyler or Payton/Peyton as to which sex it belongs to? At least transitioning will only require the change of a single letter, as when Miss Olson marries Mr Olsen.

The name is an indicator of a shallowness in the parents. If “millennials” want a substantive charge to throw at hated “boomers”, well, there it is. Your names are stupid, stupid, stupid. Even when they aren’t on the surface (e.g., Madison), the reason it was bestowed often is (a movie mermaid? Seriously?)

Teenagers laugh at every dumb fad their parents once thought was “cool”. The one exception is the very names they carry. That cuts a little too close to home.

Whenever I’m served by a young lady named Maddie, I ask her if she’s Madeleine or Madison. Rarely is it the former. Whether that reflects the relative number of the two names, or that Madeleines are more likely to be proud of their full names is a tempting question to explore.

Did the lecture end with, “WE WERE RIGHT, YOU ENGLISH SH**S”?

Agree. And no real information. Did the White woman walk into a real estate agency and say “I want to sell my home” and no one looked at the home, just the address ? Did the White woman walk into a bank and ask for a second mortgage? I agree it’s another lie about race.

And it’s in Business Insider which means the business world is no as anti White as the world of government. And voluntarily, without EEOC duress.

An easy plan would just add as many points to the credit score of every black in the country till the credit score is 750. And subtract enough points to bring down the credit score of every White to 500 or less.

Years ago I took a Standford MOOC and one of the lectures involved Trevor Hastie introducing a dataset table…

Made all the funnier from his Afrikaner accent.

So there’s a Hastie Pudding Club on the West Coast, too?

And at what % are White’s denied a mortgage as compared to Asians?

“Black borrowers are 80% more likely to be denied a mortgage than white borrowers.”

Well:
-insufficient income
-bad credit
-no assets=
NO!

The author probably dispenses falsity so often that it doesn’t occur to her (him?, they?) that she would ever be disputed.

A disproportionate number of Black Americans have student loan debt, representing 13.4% of the population but nearly a quarter of all student loan debt incurred in 2019.

Next sentence:

Black borrowers also inherit less and receive fewer financial gifts from family members than do white Americans.

These are both big problems. You don’t think there’s any way the two could be related, do you? Maybe you should look into that.

OK, let me try:

Black people are just no good with handling money. Yet, what’s worse is that they don’t inherit much money from black relatives – who are just no good with handling money – who die. Dayum!

The pandemic has exasperated gentrification, with home prices skyrocketing in even once-affordable communities.

I think the author means exacerbated, not exasperated. Is getting this correct too much to ask for a news publication?

I know the last 20 years have been a neverending series of utter disaster, but … does anybody remember the “housing bubble” and the programs for home ownership under Dubya? It resulted in Moon-sized debt craters covered by tarps. It came just after the Clinton “Internet bubble” which resulted in Moon-sized debt craters, too.

I suspect we will eventually be seeing proposals to tax capital gains when whites sell houses to whites (or white-adjacents) and use the money to subsidize blacks buying homes in white neighborhoods.

I don’t doubt that. It’s not a big change from what’s happening now. I get it. Socialism is a screw job. Higher taxes screw white people most. Affordable family formation suffers.

I could have told you all that. Hell, I have!

Just what we need, another federal agency (supposedly) helping negros and (definitely) screwing Whites. Further, the baseline in reading this “opinion piece/article” is that it’s a lie top to bottom. Basically just like anything from the msm.

Everything in blacks is disproportionate. Schlong size, student debt, birth rate, ego size, kill count, lack of self-control, money problems and the continent.

Disproportionatus Nigerius.

I distinctly remember that video as well, from Stanford’s machine learning MOOC.

Black borrowers are 80% more likely to be denied a mortgage than white borrowers.

I wonder how this plays out if we look at black borrowers who are applying to buy homes in white neighborhoods as opposed to buying houses in black neighborhoods. (Holding everything else as the same.)

Don’t banks have a duty NOT to lose bank depositor’s money? Isn’t that the whole point of prudent lending?

The reason white housing is expensive is because whites are looking for enclaves where they can be protected from black criminal predation. Because the houses in these enclaves have a high demand for them, their price shoots up. But it’s not whites who cause white housing to be so expensive.

NO WHITE WANTS TO PAY AN ARM AND LEG FOR HOUSING.

They ONLY do it because THEY’RE FORCED TO. What would you rather pay? 50K for nice house, or a million for the same house?

It’s violent black attacks on whites, which cause whites to flee, which causes safe housing located away from ghettos to be so expensive and in so much demand.

Blacks MAKE housing expensive for whites. It’s not whites that do it. Blacks and hideous black behavior causes massive price distortions in the housing markets. Plenty of whites would live in those cheap, inner-city houses–if the black neighborhoods those houses are in weren’t wildly unsafe due to black predation of whites. Those ghetto houses used to belong to whites in the early part of the 20th century anyway. It was black crime that destroyed their value.

A disproportionate number of Black Americans have student loan debt, representing 13.4% of the population but nearly a quarter of all student loan debt incurred in 2019.

Yeah but. Yeah but my associates degree from the Afrika Me’shwllna Bambattaaa Graduate School of Uptown Cosmetology cost $170,000 so I had to take government loans to go with them pell grants. All y’all white people can pay it off with your tax money. Restorative Preparations.

If home values were the other way around the systemic racism would be that blacks had to pay higher property tax for the same house.

He has one skill set, and that’s turning in copy on time.

He has another skill set, he is gifted at malapropism. The following sentence is a classic ” The pandemic has exasperated gentrification, with home prices skyrocketing in even once-affordable communities.

Mark Zuckerberg is having a hell of a time celebrating 4th of July 🇺🇸 https://t.co/Pa3y2ttGKX

— Anthony Pompliano 🌪 (@APompliano) July 4, 2021

Welcome aboard, Mark. We have work to do.

So…..why aren’t Asians included in this study?

Anyways the solution is simple which is to bring in Wall St and have them sell mortgages to people with less than ideal credit.

Can’t imagine how that could go wrong.

A recent study from the McKinsey Global Institute found that Black Americans make on average 30% less than white Americans.

Which means that rational, racially unbiased lending decisions are bound to have a disparate impact on black Americans.

We often hear that criminals are created when other people criminalize them. For crimes of violence or dishonesty, this is obvious nonsense. However, here’s a case where the claim is actually true: making disparate impact in lending unlawful will criminalize all lenders for simply doing their job.

Frankly, it’s a huge surprise for me that blacks have so much supposed “student” debt. I figured all those sought after geniuses (and aflete scholas) would be getting free rides left, right and center.

This (unbelievable) story is a counterpoint to the claims that white gentrifiers are inflating the value of inner city property and thereby causing the taxes of the long time residents to go up.

Welcome aboard, Mark. We have work to do.

What you think that flag means anything to him?

If that is in fact him then who the f cares. He is a small peeny globalist control freak and won’t be changing anytime soon.

This country will not be fixed by tech execs. If anything they will move towards trying to lock down the internet further as the establishment pushes them to control the great lie at any cost.

A disproportionate number of Black Americans have student loan debt, representing 13.4% of the population but nearly a quarter of all student loan debt incurred in 2019.

Why such a huge disparity?

In my Catholic elementary school in about ’62 a Madeleine went by Maggy.

“But where would the money come from? Hmmmmhhhhh …

Who, racistly, has saved up ten times more wealth on average than blacks?”

Is it the…. (((( )))) ?

I mean, they’re at least 2 standard deviations in IQ above them.

That’s pretty awesome that ((( ))) are willing to give up their wealth on behalf of blacks so that they can catch up. Since as a group they are well represented in the top 1%, to make this sacrifice for POC’s is very noble, to say the least.

This (unbelievable) story is a counterpoint to the claims that white gentrifiers are inflating the value of inner city property and thereby causing the taxes of the long time residents to go up.

I’d be saddened to see the gentrification of Washington in any way stalled. With a clear white majority there, not only would statehood be exposed as no more than a baldfaced Democratic power play, so would the retention of the 23rd Amendment.

Now, a question to commenters in general: Anyone recognize this statue? Where is it? Who is it? I assume it’s a mathematician, like his follically-challenged admirer.

If it isn’t a lie, then any US citizen could go and make a killing by buying black-owned houses and using a white agent to immediately sell it on for double.

There would also be zero black real estate agents.

It is a totally ridiculous supposition.

Steve, i think the bigger takeaway from this article is just how unconvinced it is.

It tries to put the best face on its basic claim, but as it goes on it explains again and again how the gaps are due to very basic economic issues and thus further reinforces that it’s very unlikely that the banks are discriminating or that they can do anything about the ownership rates short of having very different underwriting rules for black people.

And actually the underwriting rules won’t really make much difference long term (as we saw in the aftermath of 2007) ; to really affect ownership rates the banks would have to give preferential loan servicing to black borrowers: i.e. they’ll have to accept months and years of non-payment without forclosing, increasing rates or other serious penalty. But they’ll have to do it in a race aware way because otherwise any gains made by marginal black loans would be offset by similar ones in marginal latino, white and asian loans.

It’s just like SAT scores for school admission. You can’t just lower the bar since then you haven’t changed anything: for equity there have to be different standards for different groups.

Welcome aboard, Mark. We have work to do.

lol.

It is a totally ridiculous supposition.

Or suppository. Which is essentially how they mean it.

Which reminds me… anyone know what would happen if you inserted* one of these into Cardi B?

https://hips.hearstapps.com/ame-prod-goodhousekeeping-assets.s3.amazonaws.com/main/embedded/32684/silica-gel-packets.jpg?crop=1.00xw:0.502xh;0,0.243xh&resize=640:*

*With her consent, of course.

It is a totally ridiculous supposition.

Or suppository. Which is essentially how they mean it.

Which reminds me… anyone know what would happen if you inserted* one of these into Cardi B?

*With her consent, of course.

The Black homeownership rate has increased only 4% over the past five decades.

Which is when redlining was illegal.

Meanwhile, the gap in homeownership between white and Black Americans was 5% lower in 1920 than it was in 2020.

So actually blacks were doing better back in the bad old days of evil redlining, when they weren’t subject to being upsold into excessively large mortgages with no down payment and extra-high interest rates. Interesting.

A lot of the discrimination currently keeping Americans of color from equally accessing credit comes from seemingly race-neutral policies that are applied evenly but have a disparate impact. Loan officers make commissions based on the loan amount, and originating a smaller loan on a less-expensive house may not be as enticing as lending on a bigger loan in a more expensive neighborhood.

Blacks’ problem isn’t “equally accessing credit”, it’s excessively accessing credit: taking out big loans they can’t pay back and end up defaulting on. Of course it’s just a coincidence that the loan originators make bigger commissions on those unrepayable loans.

the story of a Black woman in Indiana who discovered her home value doubled when she had a white friend stand in as the homeowner.

Fake story. Besides that it is a lie on its face, it doesn’t even make real-world sense. Is this supposed to mean that a black woman uploaded a white friend’s photo to Zillow and then the Z-Value® suddenly doubled? Or that the white friend stood in the doorway, and then the local tax assessor saw it and said, “By jingo, I’m doubling your tax assessment effective immediately!”?

For those of us who remember the 2007-8 mortgage meltdown caused financial crisis, let us not forget that other tear jerking headline:

Something like: “Black homeowners face double the default rate as others…”

This was of course because the fed govt. greatly loosened credit requirements for federally guaranteed mortgages to precisely encourage poor credit blacks (and others) to buy homes.

These same tear jerker stories about deadbeat blacks (who got all the tea and sympathy in these stories, not others) were replete with tales of how their “dreams of ownership were shattered” by uh, reasons.

It was boldly suggested that evil whites lured unsuspecting blacks, who in these cases had only been renters, to their financial doom by taking out mortgages.

So while there are many black homeowners (like one of my next door neighbors) who pay their mortgages, these special government “let’s help blacks” rules end up failing. Of course this was done in the era when it was touted that the “buy on minimum down” and “flip in a year for 20% profit” was the quick road to wealth.

The Quick-Flip Road to Wealth didn’t last long and those who fell for this, of whatever race, ended up with a defaulted mortgage.

Of course whatever the measure, unless blacks come out ahead of everyone else, “racism” is trotted out as the Universal Explainer.

Good for him. Between this and that javelin thing he was doing the other day, it looks like he at least is enjoying his billions a bit.

By the way, how does above-the-water surfboard work? Is it connected to a torpedo or something? What if he wants to stop? Does he jump off? Or is someone else at the controls?

By the way, how does above-the-water surfboard work?

Maybe like this?

https://infogalactic.com/info/Computer-generated_imagery

Congressman Al Green fights for the rights of Neanderthal-American (and Denisovan-Americans), ending the dominance of Cro-Magnon-Americans…

Why such a huge disparity?

This story, and other stories like it, could be restated far more briefly as “Blacks make worse borrowing decisions than other races.” But that’s not Narrative-Compliant, so instead they write thousand-word pretzel-logic stories to trying to hammer the square peg of black underperformance into the round hole of every-result-must-be-equal-at-all-times. Reading these articles can actually make people dumber.

Or suppository. Which is essentially how they mean it.

On the other hand, oral administration results in this.

That’s so 20th Century!

Black people love to borrow money. They don’t ask what is the price. They don’t ask what is the total aggregate payback. They want to know if they can afford the payments.

“How much is the notes?”

And you wonder why jews love negroes?

How much of the 2007 (sub-prime) mortgage crisis was loans to negroes? I am pretty sure it was closer to 50% than it was to 15%.

Now, a question to commenters in general: Anyone recognize this statue? Where is it? Who is it? I assume it’s a mathematician, like his follically-challenged admirer.

in before 🙂

That’s Antoni Gaudí, of course, on the grounds of a house he designed.
https://www.gonomad.com/178445-antoni-gaudis-home-in-comillas-in-cantabria

Ok, I had no idea who it was. Interestingly Google’s search by image can’t find it if you just give it that original image, but if you crop out only the statue it finds it immediately (though mostly on stock photo sites). One way to think about it is that google jumps to conclusions about what about that image you’re looking for and doesn’t consider (or more likely prunes ) other alternatives.

Bing image search doesn’t find it in either way although bing’s visual search allows you to do a crop right in the browser which is pretty neat.

Nor did text searches for bronze statues of men sitting looking up yield anything helpful.

I’d be saddened to see the gentrification of Washington in any way stalled. With a clear white majority there, not only would statehood be exposed as no more than a baldfaced Democratic power play, so would the retention of the 23rd Amendment.

Even if DC became 90% white, it’d still be as left wing as it is now, and the statehood movement would continue. True, the racial angle, now at the forefront of that movement, would become muted. Retrocession to MD might become acceptable.

That’s why they keep returning to this topic: it’s a win-win for them. No matter which angle one takes it can always be spun into a ‘racist against blacks’ story.

Whatever. We don’t have blacks in Australia but I see lots of articles worrying about housing anyway. I also recall seeing articles several years ago lamenting that Millennials aren’t as interested in taking out mortgages as their parents. I suspect the deeper reason is that those who’ve made their wealth from property are worried about a systemic shift occurring, so we’re bombarded with ‘rah rah home ownership forever’ pieces to discourage us from thinking about how we could restructure the economy so that people could live without saddling themselves with a huge mortgage.

So, blacks can’t make it on their own.

Was slavery their best economic opportunity?

I am going to call bullshit on the story about the lady in Indiana doubling the selling price of her home by having a white friend pose as the seller.

A HARD DAY’S SH!T THAT NEVER HAPPENED, WITH ALL NEW COMMENTARY BY PAUL MCCARTNEY

Thanks. I assumed it was in Philadelphia.

Philadelphia is about the same latitude as Toledo. The original Toledo. Barcelona is about that of Chicago– and Toledo, Ohio.

And all this is founded on the premise that all groups are exactly equal in genetics, values, behavioral choices etc, and so that any differences in group outcome must be due to racism, and so the country must be vandalized until everyone is equally bad off. The premise cannot be questioned, which indicates we are basically living in a theocracy (the religion of egalitarianism).

This may be the most remarkable thing about the piece.

They come in unpowered and electric versions. In that one Zuck appears to be wakefoiling on an unpowered board surfing the wake of a boat.

I was horrified but not surprised by the story of a Black woman in Indiana who discovered her home value doubled when she had a white friend stand in as the homeowner.

This would make a pretty good opening to a Mentoes commercial.

Fraud. Not an American. No loyalty to Americans. A globalist pimple looting America.

Thanks!

As such, lenders “on the ground” may well not see that what they’re doing is discrimination,

Yeah, yeah, lenders on the ground are discriminating. Discriminating against shitty 450 credit scores, confirming job and income claims and so on. Unless we return to the no-document form of loan process that wrecked things 15 years ago, the credit scores, job and income verification process required for obtaining a mortgage simply isn’t leaving us.

You probably also don’t believe that the three brilliant mathematicians featured in the movie Hidden Figures weren’t completely responsible for the USA winning the Space Race! How could the white supremacist establishment, with its systemic racism oozing from every pore of society, keep such important information from the public, how Katherine Johnson, Dorothy Vaughn, and Mary Jackson, with absolutely no help from feeble-minded white males, drove the math behind NASA and every facet of the US space race. They even flew the space missions themselves, but they couldn’t include that in the movie; it would show that NASA lied about absolutely EVERYTHING, even, perhaps, putting a man on the moon! Heaven forbid!

The statue’s head looks up and away from the goon groping it. Imagine the indignities the statue has had to endure over the years. Look at its face; it speaks silently of pain.

“In an old house in Paris that was covered with vines. Lived twelve little girls in two straight lines. In two straight lines they broke their bread, and brushed their teeth and went to bed. They smiled at the good, and frowned at the bad, and sometimes they were very sad. They left the house at half past nine, in two straight lines, in rain or shine. The smallest one was Madeline.”

The world would be a better place if life, people and times were more like in that book in Europe and the US than in the bizarre reality that we are faced with today.

I remember a news story about a black woman who earned $45k a year getting approved for a $750k home with an adjustable rate mortgage. Two years after she “bought” the house the mortgage went from $1300 a month, to $4500 and she could no longer afford it, so she lost her home. She was on the news blaming the bank, but not herself for not reading the paperwork, or purchasing a home well beyond her price range or means.

It’s the equivalent of having a decent job and good credit, then buying a Ferrari and acting surprised when they repo it in 4 months.

I suspect we will eventually be seeing proposals to tax capital gains when whites sell houses to whites (or white-adjacents) and use the money to subsidize blacks buying homes in white neighborhoods.

I suspect it will be called the Fairness in Housing Act of 2021.

America’s housing market is racist. Congress could easily help fix it if they wanted to.

[email protected] (Skylar Baker-Jordan) 6 days ago

As a rule, I make it a point not to pay attention to anything said by anyone named “Skylar”, especially if that person is ostensibly a man who also has a hypenated surname. I see no reason to change that rule in this case.

This guy is some whiney, pudgy gay millenial Limey who writes about America. It’s amazing how many Brits think they are experts on America. They aren’t (with a few exceptions, like Mr. Derbyshire).

Set aside one trillion dollars for the creation of the Black Bank of America. No need to add more layers of bureaucracy to the federal government. All black directors and executives, loaning only to blacks. Check back in a few years and see how that works out. Oh, and a mortgage is a loan and you are supposed to back it back and there in lies the problem.

I should hope a bank has multiple depositors, in which case, it must safeguard its depositors’ money.

Everyone needs to remember that about 2/3 of the current housing stock in the U.S. was built after 1969 and the passing of the Fair Housing Act. Every article on housing implies that the number of houses the exist today is the same as existed in the 1968 when in reality, most housing in the U.S was never redlined and never had any racial restrictions.

proprty taxes are one way they squeeze working class whites. They prefer to print dollars and inflate away the social security fund we have paid into for 40 years. They issue big omnibus bills that hand money to commie states and bail out pension funds. All of it then comes from white savings and white retirement

Hey Stevo,
Looking at the Zman flying on his board, ever wonder how many Jewish brains were eliminated from the Business Cycle by the New Left?

The minoritarian whine.

Earlier this year, a study of house prices in Chicago’s Black and Latino neighborhoods showed there was a gap of $324,000 in the values of those homes between comparable properties in white neighborhoods. While this may seem astronomically high, the same sociologists who looked at Chicago’s study found last year that this is a national problem, with the gap being $245,000 nationwide.

I realize we’ve been taken over by the mercantilists who think–and blather–that high house prices are a good thing. They are not. They may be a sign that your local economy is “hot”. But having to pay more for something you must consume is not a positive.

For example, this house is worth about 6x what i paid for it … whooeee. Except that i have children whom need their own housing–expensive. And ideally something like this house–or better–to do “family formation”. If you’re something more than a mercantilist and care about things like “children”, “the future”, “the nation”, then the housing price explosion is a very bad thing.

The minoritarians’ immigration driven destruction of the classic American gift of cheap land and dear labor is an ‘effing disaster. That’s something–an actual policy, that has very, very negatively affected American blacks, as it has all Americans–he could honestly bitch about.

But he’s bitching that blacks get to pay less for housing. LOL.

Now, of course, the reason for that is it is housing in neighborhoods … with other blacks!

Now he could argue that there is benefit because living around blacks is just objectively worse. But then the argument is over.

In actual fact real estate is an area where whites are cheated. Blacks have essentially destroyed trillions in white wealth–confiscating some share for themselves–simply because whites under minoritarianism are unable to legally preserve their neighborhoods for themselves. Whites must actually pay a “good schools” premium to simply live normally–with their own people, culture and rule-of-law. A premium many have lost as “diversity” chases them down.

Blacks average younger than whites, that would tend to push student debt up compared to whites. Are Hispanics less likely to attend college or trade school than blacks? If so that pushes black debt up.

Are blacks more likely to max out student debt and use money for other purposes? I knew a married couple, not black, who used a student loan for a fancy vacation.

Repatriations, not reparations!

With a clear white majority there, not only would statehood be exposed as no more than a baldfaced Democratic power play, so would the retention of the 23rd Amendment.

D.C. statehood is an openly, illogical, sleazy Democrat power play.

If there is no problem with DC being in a state–the whole point of the original concept was to free it from the control of any state–then just give it back to Maryland. (The Virginia piece was restored long ago.)

Frankly, i’m fine with that, or just repealing the ridiculous 23rd amendment flat out. But more useful would be Republicans dispersing legitimate functions of government throughout the land and as much as possible just junking most of the bureaucracy, a parasite feeding on America. (Then start to work shrinking the Wall Street parasite as well.)

When you buy a house about half of what you’re buying is the quality of neighbors you will have, and the quality of children your children will attend school with.

There are plenty of places in the Rocky Mountain West that are every bit as pretty as Aspen, Ketchum, Jackson Hole, and Park City. So why do people pay a huge premium to live in such towns? Because of the other people who live in those towns.

Black people may not love living in neighborhoods surrounded by lots of other black people, but for the vast majority of them it’s at least tolerable. For whites the prospect of living in a black neighborhood is far less tolerable, and often isn’t even safe. So whites have far more incentive to buy homes in neighborhoods where they won’t be surrounded by blacks. White neighborhoods appeal to everyone. Black neighborhoods appeal only to blacks. White neighborhoods appeal to people who have more money. Black neighborhoods do not.

These are all just basic facts of life and economics that explain why white homes tend to appreciate more in value than black homes do. The fact that whites actually take care of their homes is the other. Homes require a lot of maintenance, which requires money and at least a little knowledge. If you don’t maintain them their value can decline precipitously.

Another reason white homes are appreciating so much, relative to black homes? Mass immigration. As the white share of the population shrinks, there are fewer and fewer places where whites want to buy. Those places become more valuable. Want to shrink the black/white home value gap? Stop letting in so many damn immigrants.

The government is getting behind a massive push for blacks and browns to go to college so it can load them up with student debt. The government has huge deficits, and it can only raise taxes so much, so they’ve decided they need an alterative source of revenue, namely the interest on students loans.

The government doesn’t want those smart white males who pay off their students loans in 4 years. They want dumb blacks and browns who can’t manage their money to be paying it off for 40 years. The government makes a LOT more money that way by targeting idiot POCs instead of smart whites.

The government, through student loans, has become like that nasty credit card company that targets those with bad credit by giving them high-interest-only credit cards.

The government has become like that notorious company store that uses credit to permanently ensnare black sharecroppers in eternal debt.

In a way, it’s fitting that someone trying to crawl out of the ghetto should be forced to pay back all the welfare they parasitized off of. It’s the only way the government is going to make the parasites pay anything back for those years of Section 8 and EBT cards.

However, it means the poorer people in this country, if they want to go to college and take out loans, are in essence being double-taxed by the government if they want a job that pays anything.

There are three types of discrimination which ECOA forbids: overt discrimination, comparative discrimination, and disparate impact. … Comparative discrimination results from “differences in treatment that are not fully explained by legitimate nondiscriminatory factors,” according to the Federal Reserve. The last type of discrimination, disparate impact, “occurs when a lender applies a racially (or otherwise) neutral policy or practice equally to all credit applicants but the policy or practice disproportionately excludes or burdens certain persons on a prohibited basis.”

Disparate impact is simply statistics. If blacks get fewer loans, or less money overall in loans, or fewer loans for properties in certain areas, or any other non-trivial (plus/minus 20 percent) difference in ultimate outcome, a lender could be sued. This was case law, and was weakened by the courts, but eventually started to get written into statute, which makes it harder to overturn. And it should be overturned. It ranks up with “implicit bias” as African witchcraft/hoodoo: invisible discrimination that permeates the atmosphere but cannot be identified.

Comparative discrimination I’ve never heard of. Let’s look more closely at this. Here’s an example (the only example) from the FDIC compliance manual of “Comparative Evidence of Disparate Treatment.”

Example: A non-minority couple applied for an automobile loan. The lender found adverse information in the couple’s credit report. The lender discussed the credit report with them and determined that the adverse information, a judgment against the couple, was incorrect because the judgment had been vacated. The non-minority couple was granted their loan. A minority couple applied for a similar loan with the same lender. Upon discovering adverse information in the minority couple’s credit report, the lender denied the loan application on the basis of the adverse information without giving the couple an opportunity to discuss the report.

The foregoing is an example of disparate treatment of similarly situated applicants, apparently based on a prohibited factor, in the amount of assistance and information the lender provided.

If a lender has apparently treated similar applicants differently on the basis of a prohibited factor, it must provide an explanation for the difference in treatment. If the lender’s explanation is found to be not credible, the agency may find that the lender discriminated.

So overt discrimination is when, for example, two different policies for two different groups (e.g., different credit card limits for different age groups) and disparate impact is when an otherwise neutral policy mysteriously results in worse results for a group (e.g., where a floor on lending amounts over a decade results in fewer loans to blacks, perhaps because they seek lending for cheaper houses). But comparative discrimination is when a justifiable practice (checking for a vacated judgment) is used only for one group.

I think the idea is that a lender might try harder to help a white borrower get around the rules than that would help a black borrower. This could be simple racism in the classic sense, animus towards the outgroup, but it could also be an understandable workaround when banks are not allowed to use other reliable predictive techniques. For instance, let’s say that savings cannot be considered, because that’s racist, since there is a “racial wealth gap,” caused by redlining, or so they say. But the bank knows that this is a hugely predictive factor. I could see them compensating by setting up other strict rules, but then getting more creative when whites with savings accounts show up.

Google’s search by image can’t find it if you just give it that original image, but if you crop out only the statue it finds it immediately … Bing image search doesn’t find it in either way

Two of our biggest tech giants can’t get picture search right. In comparison, the Russian Yandex search engine finds it right away, together with several similar images of other men in the same setting.

We are sliding into mediocrity and losing competitive edge on everything that matters.

You know, “exasperated” comes from “asper”, and “exacerbated” comes from “acer”. I’d bet we all understand the distinction in English, but can we all grasp the different senses of the Latin words?

The unabridged Lewis and Short has two full columns on “asper” (not to be confused with Asper, the grammarian). Apparently, it’s connected with άσπαίρω; originally meant “hopeless, desperate” (spes!), coming to mean “harsh, severe”. (although this dictionary just discusses, it doesn’t define. How frustrating.)

“Acer”, on the other hand, is “sharp, pointed, piercing” (If the first vowel is long; otherwise, it means the wood of a maple tree.), although from the first example, “praestans valetudine, viribus, forma, acerrimis integerrimis sensibus” (this is a very sexy man, indeed!), it has a wide application. Related to the German “Ecke” and the English “edge”.

What’s my point? I guess I just feel somewhat forgiving. Yes, indeed, it is a malapropism, and yes, it is shocking that the writer penned it, and that the editor overlooked it. But, I suppose I can understand an indifference to the distinction. After all, nobody is in doubt about the meaning. And indeed, there are known depths to these words which I have not plumbed, several columns’ worth! Let he who is without blame cast the first stone.

On the other hand, the error reveals the alienness of the writer. He doesn’t know the distinction. He probably doesn’t care, either.

OT

Something I stumbled across flipping through Michael Levin’s book:

Sternberg (1994) also reports that the mean IQ of black females is several points higher than that of black males.

referencing

Sternberg, R. J. ed. 1994. Encyclopedia of Human Intelligence. New York: Macmillan.

Sternberg seems like a progressive:

As the accumulating evidence has made group differences harder to deny, one is apt to be told that even if they exist they do not matter. Psychologist Robert Sternberg dismisses black/white differences in intelligence with a curt “So what?” (Sternberg 1985: 244). Pursuing the issue, he says, “can only give comfort to those who would like nothing better than to hear the explicit message that blacks will have a greater handicap in the educational, occupational, and military assignments that are most highly correlated with measures of general intelligence.”

And in Wikipedia:

Sternberg has criticized IQ tests, saying they are “convenient partial operationalizations of the construct of intelligence, and nothing more. They do not provide the kind of measurement of intelligence that tape measures provide of height.”

Yet …

In 1995, he was on an American Psychological Association task force writing a consensus statement on the state of intelligence research in response to the claims being advanced amid the Bell Curve controversy, titled “Intelligence: Knowns and Unknowns.”

I haven’t heard this “black women are smarter than black men” thing anywhere else.

At last we know Tiny Duck’s identity and what his day job is.

Keeping Tyler (a fad boy’s name taken from a 19th-century presidential surname) from being confused with @Taylor (a fad girl’s name taken from a 19th-century presidential surname) was fairly easy.

There were about 13,000 Taylors living in the United States in 1940, about 90% of them male. There were also 2,500 Tylers. About 1/2 of these people were born prior to 1910. I don’t think this was a Boomer fad. (There were 18,000 people carrying Gaelic variants of John at that time, ‘Evan’ the most prevalent).

The Federal Reserve Bank of Boston produced a study some years bank contending there was descrimination in mortgage lending. Thomas Sowell pointed out the default rate of the two subpopulations of borrowers was the same.

“Last month, I was horrified but not surprised by the story of a Black woman in Indiana who discovered her home value doubled when she had a white friend stand in as the homeowner. ”

I was unhappy to read about this too and would support laws that attempted to prevent this.

But the overall reason blacks don’t have houses like whites do is that their parents can’t help them out and that they make so much less than whites. Also a lot of the lower priced housing they used to have has been taken away from them through gentrification. There are no magic wands that will change this.

I will never understand why people complain about the lower cost of housing in minority neighborhoods as being a bad thing. Yes there is a certain logic to wanting maximum prices, just like any seller in America wishes their property were in Silicon Valley instead of where it really is. But most buyers rely on affordability because they are not rich and that’s even more true of blacks and Hispanics. Looking at real estate only through the eyes of sellers is idiotic. Talking about equity and discrimination without considering the huge differences between what certain Americans earn vs. others is equally ridiculous and frankly pointless.

You can’t reconcile the desire to have affordable housing for minorities with the desire to keep on importing poor people from overseas which inevitably increases the price of that housing. You cannot write a law that will make the average wages and education levels of blacks equal to the those of whites next week.

I’m not well-read on the Great American Ethnic Cleansing of the Cities post desegregation, but if RE kinda worked like a market, then the first x% of black buyers into a neighborhood paid white prices. Then the white neighbors experienced the enrichment of diversity. When the bleeding stopped, and it was obvious that the cops could/would not help, the neighbors sold at much lower prices than they expected to sell for, if they had not planned to live their lives in those houses – white people had communities back then – many sold for a lot less than they paid, right?

Well those white people racistly fleeing black crime and grime got what they deserved, right, Guvnah? Anyway, the saintly blacks that first moved in, they paid white neighborhood prices for houses that turned ou to be in the ghetto, right? They lost a lot of money?

Why do these advocates for blacks want to put yet more blacks in that crappy situation? Because that’s what will happen, if the fed forces people to sell blacks bigger loans than reasonable lenders would. The optimistic, somewhat on the ball bunch of blacks will take out 0.25 million dollar loans (when a fair market would sell them a 0.1 million dollar loans) they will buy into nice neighborhoods. Their ne’er do well relatives will crash in their nice pads. The canary in the coal (heh) mines will sell their houses to other blacks looking to escape their fellows into this nice, diverse neighborhood. The whites will sell for good neighborhood prices to blacks who get good neighborhood loans. Then some black kids will beat up younger white kids. Then a coal-curious, or just naive, 14 year old will be raped by a few ‘teens’. Then 2 blacks will have an altercation re:who sells weed to the whites. One black will beat up the other. That other will get some of his homies from the slum his mama left. They will perform a ‘drive-by’. Then all the GoodWhites and dumb white single moms will get the message. They will sell at ‘get me away from these [African Americans]!’ prices.

Now there is a new ghetto with lousy schools and older, formerly house poor, now just poor, whites who cannot move. Rinse and repeat for thousands of ‘hoods, and suddenly another 50 trillion dollars of wealth is up in smoke. Only this will happen in a 40% white country with no manufacturing base. Along withChinese in China who do not see America as a safe bolt-hole, but as Brazil, but more so. At least China will have a stable government. Whatever their age pyramid will look like then, it won’t have a base of savage blacks.

The only consolation? Jews will have realized that, try as they might, there was no helping those dumb goy in America. They will have decamped to Israel. Then Americans (if any are left) can begin re-industrializing sans minoritarianism.

Back to the present. With lots of people working from home, if that keeps going, a lot of people are going to start moving to states with docile, isolated blacks or few blacks. How will the feds handle the ‘local workforce demographics’ for racial discrimination lottery players? Like, could a company in Boise with some employees in the Atlanta exurbs be sued by Atlanta metro blacks for not employing blacks in proportion to the Atlanta (or national) demographic proportions?

‘A recent study from the McKinsey Global Institute found that Black Americans make on average 30% less than white Americans.’

More race-based statistics which are totally valid.

Why are race-based statistics about IQ not valid?

Happy 4th, gentlemen.

And a happy 4th to you, too, sir. Seems like a different world, but there was a time when I proudly marched in parades, carrying the flag, on the Fourth. If the current ruling class disapproves, can I “clap back” at them and tell them that these are my “lived experiences?” They can all go to hell. Thank you.

The rush to the “magic dirt” of suburbia and home equity:

#Chicago

https://t.co/ISyoIzkoCy

— The Daily Sneed™ (@Tr00peRR) July 5, 2021

Equity Requires Equity, Your Home Equity

“The name’s Mequity. Ho Mequity.”

“You go to print with the editors you have, not the editors you wish you had.”

Besides, if young Skylar is black, what editor who wants to keep his job dares tell him he committed a malapropism or neologism, i.e., got it wrong? Better to let it slide in the interest of…equity.

The name is an indicator of a shallowness in the parents.

The first bastardization of Brittany as a name (that I had seen) was in the case of Britney Spears, who has been in the news lately. Seems that her father has her on some legally mandated birth control though she is well past age 21. The irony is too rich.

Black borrowers are 80% more likely to be denied a mortgage than white borrowers.

Note the emphasis on rates of rejection instead of rates of acceptance. And no mention of what those rates are.

It could just be that 10% of white applicants and 18% of black applicants are rejected – which would mean that 82% of black mortgage applicants were successful, versus 90% of whites. Hardly a disparity worth getting worked up over.

A holistic look at America’s housing market shows that it disadvantages people of color in some startling and systemic ways that are not always obvious at the loan level.

And then the author proceeds to write an article that explains not at all what those “systemic” disadvantages actually are.

The Black homeownership rate has increased only 4% over the past five decades.

So from 1970-2020: just after the passage of the Great Society programs, during massive increases in black crime rates, and as black illegitimacy was skyrocketing.

Perhaps the biggest single predictor of home ownership, aside from age, is marital status. IIRC, married people are about twice as likely to own homes as the unmarried – and black marriage rates have tanked over the last 50 years. The fact that their home ownership rates actually increased during that time frame should probably be regarded as a huge success.

Meanwhile, the gap in homeownership between white and Black Americans was 5% lower in 1920 than it was in 2020

I suspect 100 years of urbanization – and then suburbanization – had something to do with that.

This problem is then compounded by further economic inequalities Black Americans face. A recent study from the McKinsey Global Institute found that Black Americans make on average 30% less than white Americans. A disproportionate number of Black Americans have student loan debt, representing 13.4% of the population but nearly a quarter of all student loan debt incurred in 2019. Black borrowers also inherit less and receive fewer financial gifts from family members than do white Americans.

What’s the disparity look like for Jews vs non-Jews on these metrics, and how come it’s never treated as a social crisis in need of a government solution?

Debt-to-income and loan-to-value ratios have been higher for Black and Latino Americans.

Debt-to-income ratios are higher? So is the problem that banks aren’t lending to blacks, or that they’re lending them too much?

It will also require lenders to assess and even change policies which are currently leading to discrimination within the mortgage industry, whether unintentional or not.

Unintentional discrimination…is not discrimination. That would be policies adopted by lenders to ensure they are likely to have their loans paid back.

So basically any policy which causes banks to lend less to blacks than to whites would be discrimination. Either you would have to have no such policies at all, or you would have to actively discriminate against white loan applicants.

Loan officers make commissions based on the loan amount, and originating a smaller loan on a less-expensive house may not be as enticing as lending on a bigger loan in a more expensive neighborhood.

This is stupid. Houses are never, ever going to go unsold because of a shortage of loan officers.

the possibility for comparative discrimination is obvious but would only be apparent to someone looking at the totality of a loan officer’s or company’s production

So the government is going to get into the business of forcing individual loan officers to write mortgages on lower value homes?

Last month, I was horrified but not surprised by the story of a Black woman in Indiana who discovered her home value doubled when she had a white friend stand in as the homeowner.

Bullshit.

They didn’t even factor in “Sailer’s Law” so who can truly believe how good a neighborhood is?

https://apnews.com/article/fort-worth-shootings-175177fd214a9bc2fb3c5cbed567d623

There were 18,000 people carrying Gaelic variants of John at that time, ‘Evan’ the most prevalent).

Evan is the Welsh version of John. Welsh is a Brittonic language, not a Gaelic one. A different branch of the Celtic family tree.

Sean is the Irish Gaelic version of John and Ian the Scottish Gaelic version.

OT: TV bimbette says Go ahead and increase diversity, just not at my expense.

https://www.nytimes.com/2021/07/04/sports/basketball/espn-rachel-nichols-maria-taylor.html

So basically any policy which causes banks to lend less to blacks than to whites would be discrimination. Either you would have to have no such policies at all, or you would have to actively discriminate against white loan applicants.

In other words, “equity” has certain requirements…that must be met, because the only alternative is raycism.

And ladies, too

Steve, are you enjoying the undocumented fireworks out there in the Valley tonight? Sounds like Beirut, only louder.

There were about 13,000 Taylors living in the United States in 1940, about 90% of them male. There were also 2,500 Tylers. About 1/2 of these people were born prior to 1910.

19,153 female Taylors were born just in 1996, and 7,688 male ones in 1993, the top years for each sex. 30,481 male Tylers were born in 1994. Compared with about 165 Taylors and 30 Tylers of both sexes per year up to 1940– many with those surnames to be found in their recent ancestry.

Don’t tell me these aren’t late-20th-century fads.

That flag is touching the floor!!

Fortunately, depositors money isn’t at risk. You sell the mortgage to someone else, thus leaving you the profits, and someone else the trouble of collecting.

Remain calm

Remain free, remain brave, and remain calm. pic.twitter.com/BHqOmQLlSW

— C A L M P O S T E R (@calmposter) July 4, 2021

Abolish_public_education wrote:

Licensed lawyers should only be eligible to serve in the judicial (of course their own institution is the most f’d-up of all).

For various reasons, my wife and I have had the chance to interact with a number of lawyers over the last couple decades.

One of them had the honesty to tell us that of course he would lie on behalf of his clients.

Is there any other profession in which the normal performance of your professional duties involves lying?

Even worse, we have seen cases, again and again, of lawyers openly lying to their own clients. And when caught red-handed, they are not even apologetic. They view lying to their own clients as part of their job description.

Contemptible.

Before someone objects that a few lawyers are honest, yeah, I know. I know a woman who is a lawyer with the state disability board here in Sacramento who, as far as I can tell, is honestly trying to serve the taxpayers as well as people who have legitimate disability claims.

But the norms openly accepted within the legal profession are horrendous.

I knew it!

In other news…

Studies show that women are massively overrepresented among those who give birth to babies. Men aren’t pulling their weight.

BTW, isn’t this charming?

https://www.mirror.co.uk/lifestyle/family/man-says-stay-home-mums-24434412

But the norms openly accepted within the legal profession are horrendous.

You are uninformed.

https://www.americanbar.org/groups/professional_responsibility/publications/model_rules_of_professional_conduct/rule_3_3_candor_toward_the_tribunal/

Lying can get you disbarred.

Negroes are the very best neighbors. They are absolutely obsessed with property maintenance; painting, cleaning, landscaping etc. I watch them do all this and I’m exhausted just watching it. Great neighbors. Friendly, peaceful, law abiding, lovable folks. Also, their music is awesome. My second favorite after Mariachi. Great rhymes.

We got in 188 that were–more or less–free. (And yes, not for some blacks in some places.)

And made it to about 244 … semi-plausibly.

I don’t know what you’d call this last year, but sure doesn’t smell like America to me. (Even with the gunpowder smoke in my nostrils.)

OT but not entirely.

https://apnews.com/article/business-d2b9f71d73219b32d78709b0afb443ca

Some Chinese shun grueling careers for ‘low-desire life’

“In today’s society, our every move is monitored and every action criticized,” Liao wrote. “Is there any more rebellious act than to simply ‘lie flat?’”

Still, the ruling party is trying to discourage the trend. Beijing needs skilled professionals to develop technology and other industries. China’s population is getting older and the pool of working-age people has shrunk by about 5% from its 2011 peak.

The trend echoes similar ones in Japan and other countries where young people have embraced anti-materialist lifestyles in response to bleak job prospects and bruising competition for shrinking economic rewards.

Official data show China’s economic output per person doubled over the past decade, but many complain the gains went mostly to a handful of tycoons and state-owned companies. Professionals say their incomes are failing to keep up with soaring housing, child care and other costs.

OT: World War Hair continues: https://www.yahoo.com/news/swimming-caps-natural-black-hair-14060

No we know why blacks don’t do well in swimming. It’s because of racism! There are no style/lack of style points in swimming, so there must be something holding blacks back, since they are superior to everyone in everything, and it naturally has something to do with hair.

*I don’t pay attention to sports anymore, so I wouldn’t know if blacks have improved in swimming or not. Are there any blacks worth a damn in swimming who would need a good sabotaging in Tokyo? If so, the hair route is the logical way to go, now that the weed trick has been used.

You’d think so. Generally I’d agree, except for those big banks that have already bankrupted themselves multiple times (the latest being the mortgage crisis of 2008-9) and only survive today because of FedGov bailouts.

Paraphrasing Gen. Philip Sheridan, “the only good big banks are dead big banks”.

Rentier class, how does it work?

Rosie wrote to me:

You are uninformed.

Lying can get you disbarred.

Nope.

You need to actually read what you link to.

The page you link to forbids lawyers from lying to the court.

That page says nothing about lying to the other side or to the lawyer’s own client, which is what I referred to.

Now, if you had been more diligent you could have found bar association rules that forbid a lawyer from lying to his own client. But who do you think enforces such rules? Yeah, the state bar associations — i.e., other lawyers. And how vigilant do you think they are about going against their buddies? Yeah.

As it happens, I was discussing just this issue today with a friend who is a retired attorney. My friend agreed that it had to be pretty egregious — such as stealing a client’s money — to get disbarred.

The reason I was discussing this with my friend is that next week we have to file a complaint with the Califronia bar against a crooked lawyer: his violations of the “Rules of Professional Conduct” are clear-cut and manifold.

I am not optimistic they will nail him. I’ll let you know.

I did know a crooked lawyer years ago who was disbarred — in two states! — for stealing clients’ money. But then he was a bit crazier than the average attorney– he convinced himself, for example, that he had been knighted by Queen Elizabeth II. Here is the news story on this guy’s bizarre life.

The key points from the story:

On paper, it was a wonderful life.

Thomas R. Dahlberg, 41, of Jeannette, claimed to have done it all. He said he was a two-star general, CIA agent, attorney, author and syndicated columnist, computer expert, college professor and Pulitzer Prize nominee.

But sadly, Dahlberg’s life was the stuff of dreams.

Dahlberg, who died Monday, wrote his own obituary, which family members gave to the Kepple-Graft Funeral Home in Greensburg. He crafted a story that took him from his 1979 graduation at Greensburg Central Catholic High School to some of the nation’s most prestigious universities, through a brilliant military career and into important jobs in government and in the legal, academic and technological communities.

He claimed to have attained the honor of knighthood and identified himself in his obituary as “Dr. Sir Thomas R. Dahlberg.” In addition, he claimed to have earned the rank of major general in the Army, as well as post-graduate degrees from some of the nation’s leading universities.

The story goes on to explain that they checked out the claims, and they were all a pack of lies.

Tom lived for a brief time here in Sacramento, which is how I had the misfortune of knowing him. For those of us who knew Tom, the story is not surprising.

And I’ve known quite a few lawyers who were only marginally less delusional and crooked than my crazy old acquaitance Tom.

The people who run this country are almost as far out of touch with reality as good old Tom. Really: how much less delusional than Tom is Joe Biden?

Very few people yet fully grasp how insane the ruling elite in the West, the parasitic verbalist overclass, has become.

Be afraid. Be very afraid.

"If you're not making mistakes, you're not doing anything. I'm positive that a doer makes mistakes." – John Wooden

He’s not wrong. Go make some fucking mistakes. pic.twitter.com/Gg6pFPUded

— Super 70s Sports (@Super70sSports) July 5, 2021

Happy Fourth Steverino!

Sean is the Irish Gaelic version of John

Interesting because Sean Combs’ birthname was Sean John Combs.

Meanwhile, California’s non-discriminatory illegal immigration policy continues to bring the lowest actors from shit counties, keeping Southern California on track as an emerging third world hellhole.

Happy Dependence Day.

Deserves a Larson cartoon with, um, ‘sniggering’ colleagues outside the door as he reads it.

Unfortunately, I don’t see any sharks nearby.

I saw that, too. This idiot is a moron.

What is the monthly payment on a thirty year loan for a home that costs $1?

“HUD’s Dollar Homes initiative helps local governments to foster housing opportunities for low to moderate income families and address specific community needs by offering them the opportunity to purchase qualified HUD-owned homes for $1 each.

Dollar Homes are single-family homes that are acquired by the Federal Housing Administration (which is part of HUD) as a result of foreclosure actions. Single-family properties are made available through the program whenever FHA is unable to sell the homes for six months.

By selling vacant homes with a current market value of $25,000 or less, for $1 after six months on the market, HUD makes it possible for communities to fix up the homes and put them to good use at a considerable savings. The newly occupied homes can then act as catalysts for neighborhood revitalization, attracting new residents and businesses to an area.”

There is not a single galaxy, solar system, planet, continent, country, province, prefecture, state, county, city, town, village, neighborhood, college or high school that was ever improved by a large influx of blacks.

Give blacks mortgage subsidies for staying in designated negro-zones.

Eoin is the Irish version of John. Sean is a jumped-up, johnny-come-lately version that came in with the Normans and their frenchified ways. It’s the Irish attempt at the French name, Jean. As in, Sean ValSean.
The author of the non-synoptic Gospel is known as Naomh Eoin in Irish, Christianity having come to Ireland before the Normans. Naomh is the Irish word for Saint.
Now I’ll just let myself down from this soapbox.

There is not a single galaxy, solar system, planet, continent, country, province, prefecture, state, county, city, town, village, neighborhood, college or high school that was ever improved by a large influx of blacks.

The page you link to forbids lawyers from lying to the court.

That page says nothing about lying to the other side or to the lawyer’s own client, which is what I referred to.

Did they teach you the Rules of Professional Conduct in physicist school, Dave? If so, they didn’t do a very good job.

https://www.americanbar.org/groups/professional_responsibility/publications/model_rules_of_professional_conduct/rule_4_1_truthfulness_in_statements_to_others/comment_on_rule_4_1/

Yeah, the state bar associations — i.e., other lawyers. And how vigilant do you think they are about going against their buddies? Yeah.

They are very vigilant. Crooked lawyers are considered a disgrace and dealt with.

As it happens, I was discussing just this issue today with a friend who is a retired attorney. My friend agreed that it had to be pretty egregious — such as stealing a client’s money — to get disbarred.

That’s only true for a first offense. Generally, no, disbarment isn’t the first resort as long as you don’t embezzle client’s money. Discipline is progressive, and may start with a written reprimand, onto a suspension, etc.

Really, Dave, have a little bit of humility when speaking of things outside your area of expertise. (Having a friend who is a lawyer doesn’t make you an expert.)

parasitic verbalist overclass

Oh, I see.

The bad naming was in full swing in the 1990s. Madison and other often misspelled former presidents were, unfortunately, made popular by Gen x parents.

“The pandemic has exasperated gentrification.” Well, yes, a lot of things are exasperating.

So one might ask if you want the prices and home equity to go up or not?
Policy changes have consequences, many unintentional and bad. This point has been made by McWhorter WRT the war on drugs.

The real point is that you can’t fix something in isolation by treating a symptom. That clamped pot will blow up.

Racism is, like Climate Emergency and all the latest hysterical calumny, a put upon front by Big Tech Jews combined with Bankers and Property Developers all rent seeking from the public purse.

Even boy’s dicks and girl’s minge is up for the chop when it comes to vested stock based medical interests.

Forget about the fuck fest that is Covid, any schmuck whose fallen for that schtick is either a rusted on History Channel boomer or a yid.

It’d be like reading Donald Rumsfeld is dead and writing a eulogy to him as being a put upon patsy of the worst of happenstance of history instead of the war mongering, nation wrecking traitor, who left a trail of misery on which he fed rom in his wake.

I’d hate to be the sort of unforgivable boomer who’d ever post an “aw-shucks, he was on joking” post about the likes of Rumsfeld, especially when you’ve got Mike Gravel to truly eulogise.

This is one of those real Americans you must have been referring to.

Let’s see now– Between bling, tats, BMWs and broken down and wrecked BMWs, towing and storage fees, high auto insurance rates due to driving and criminal records, bail bonds, fines, court costs, probation fees, restitution, child support payments, sneakers, designer hoodies, exotic gold dental work, consumption of substances, housefuls of new shoddy over-priced no down payment, no credit check “rent-to-own appliances and furniture”, weaves, nail salons and only the the best in brand name foods and other consumer goods, I’m certain we could find a respectable down payment for a modest but decent starter home in a white ‘hood no less.

Funny how the Mexicans (who most certainly have their fair share of “haterz” here) with no valid social security numbers manage to do this remarkably well and still send a record amount in remittances to Mexico during recently ended fiscal year 2020-2021 to boot. During a Plandemic, no less.

And it’s in Business Insider…..

Business Insider is the Huffington Post of financial reporting. Everything is reported through the lens of race/gender/homo issues.

The writer lives in Tennessee and is gay or something:

Banks care only about the color green. The idea that they are ignoring making profitable loans to blacks is as ludicrous as the canard that women make just $0.78 for each dollar a man makes. The fact that both are repeated ad nauseum does not make either one true.

I used to live in a super ZIP and had black neighbors who were no problem. Maybe because anybody who can afford a high six figure house is gonna take care of it, not let cousin d’Won who just got out of jail crash for a few days, etc.

Andrew Anglin calls them The Leigh Francis Class.

Google Angela Rayner mp. OMG – I know northerners come across ass thick donkeys at best of times, but that triple chinned lump of lard must come across as retards even to them. Random juvenile noise – Ra funnel!!!!

This is an EDUCATION SECRETARY. FFS – has it been to school itself!!!

Does anyone not think your pensions are at risk for redistribution? I don’t know if it can be done with private pensions and funds, but your government one is definitely at risk.

Next time there’s a census, check that hispanic, native or black box!

If black loan applicants are being held to higher standards than white applicants, then surely black people must have a much lower default rate than whites.

Right?

I suspect we will eventually be seeing proposals to tax capital gains when whites sell houses to whites (or white-adjacents) and use the money to subsidize blacks buying homes in white neighborhoods.

I’ve been wondering what the end game was, yours sounds more likely than most.

This B and w thing must piss a lot of normies off.

Is there any other profession in which the normal performance of your professional duties involves lying?

Real estate?

This.

And this guy suggests he was in the lending business. If he really believes there is money being left on the table purely for the sake of punking Black people, then he could easily step into the breach and collect the difference.

The pandemic has exasperated gentrification,

Perhaps blacks would get more home loans if they used big words correctly or just wisely refrained from their use

https://twitter.com/yesyoume2/status/1411878294782365701?s=20

Why the European Left has been decimated in one paragraph. https://t.co/uhWBHhIUCC pic.twitter.com/PvA1I8e96N

— Philippe Lemoine (@phl43) July 4, 2021

Same vibe

To be clear, many of those objections raise important points for the more general philosophical debate and they're part of the reason why I'm not a utilitarian, but as I keep stressing they are irrelevant when the results of simple cost-benefit analysis are so lopsided.

— Philippe Lemoine (@phl43) July 3, 2021

They’re rebelling against that naive utilitarianism. As with most rebellions they’re over correcting into Wokelism and arbitrary petty tyranny divorced from science itself instead of mere scientism, which they ironically still cling to as a sort of status preserver.

disparate impact, “occurs when a lender applies a racially (or otherwise) neutral policy or practice equally to all credit applicants but the policy or practice disproportionately excludes or burdens certain persons on a prohibited basis.”

Are lenders still allowed to discriminate against felons, or only the melanically challenged variety?

I was unhappy to read about this too and would support laws that attempted to prevent this.

Would you support laws that attempt to prevent people from telling falsifiable lies?

Related to this is the fact that whites and Asians are net taxpayers per capita while blacks and Latinos are not. When the issue of reparations comes up, the right doesn’t have the brains or balls to point out that the configuration of our tax code and social welfare system means a net transfer of wealth from white households to blacks of more than $100B annually.

That quote has an Amos’n’Andy feel to it, as in “Amos, I is going to deliver a ultomato.”

No need to wait a few years, Joe – Zimbabwe already tried that experiment. It worked so well, they had to print money in 100 Trillion dollar denominations just to keep up with all the newfound wealth they were rolling in.

The homeownership debate glides past the obvious, namely that having the foresight and self-restraint to accumulate enough for a down payment and maintain a decent credit are not only key factors for lenders in the sense that they are gambling the money of their depositors when they issue a loan, but indicative of how likely someone is going to stay current on what they owe. I cannot remember the source, but I believe blacks have higher default rates than whites at every income band even with comparable credit scores. Banks have loads of data and know their potential customers quite well, as do national retailers, yet no one ever talks about the fondness of blacks for spending disproportionate share of their income on ‘visible goods’ like clothing and cars.

Likewise, as someone involved in property management of rentals for people of lesser means, a red pill early in my career was looking at the tenant income certifications for a very large multifamily property in a major metro area. I would see white and Asian (mostly ME) households with incomes of less than $40K with 3x the savings of black households in the $60K-$100K range. Similarly, unit inspections would often reveal black households with closets full of clothes, large screen TVs (back when these cost thousands), Xboxes for the kids, and a fairly new car parked outside, whereas most of the other residents had cars in the 5-10 year old range and very modest furnishings.

The Draconian penalties incurred by lying to the court:

https://www.americanthinker.com/blog/2021/06/fbi_lawyer_that_lied_to_judge_on_fisa_warrant_will_be_able_to_practice_law_again_in_august_after_zero_jail_time.html

According to Wikipedia, the name Ian is a vulgarization of the “address form” of the name Seán https://en.m.wikipedia.org/wiki/Sean#Origin

That sounds plausible in light of the Seumas/Hamish connection https://en.m.wikipedia.org/wiki/Hamish and the possible connection of Kevin/Haven https://en.m.wikipedia.org/wiki/Haven_(given_name)

If we examine all the social welfare programs, disability and affirmative action programs the net transfer of wealth from Whites to Blacks is closer to $1.5 Trillion annually.

Medicaid alone spends $2.1 Trillion and most of it goes to Blacks and Hispanics. The military wastes 20% of their budget enlisting Blacks. Same can be said for NASA, the CDC and the IRS etc…

The corporate word also transfers billions of dollars from productive Whites to Blacks via diversity departments and affirmative action promotions at the expense of whites. The banks have been coerced into lending more and more to Blacks and Hispanics since the 1990s, resulting in the Housing bubble and collapse which caused the great recession. Our colleges waste billions of dollars educating Blacks who will either never graduate or never utilize their degrees, having learned almost nothing during their years in school. Most Blacks who graduate from law school will never practice law or quit after a few years if they some-how pass the bar exam.

Entire cities have seen their institutions and real-estate values destroyed by policies which encouraged Blacks to live white cities. The cost of catering to Blacks and Hispanics over the last 50 years is gigantic and the damage done to America is far greater than the economic destruction wrought by our racist laws which destroy white wealth.

Evan is the Welsh version of John.

Right: e.g. alt-rock dude Evan Dando.

But in my own experience in the mortgage industry over the past decade, this kind of discrimination is not always apparent . . .

What is his experience ?

Skylar Baker-Jordan has more than 10 years’ experience writing about US and UK politics. He is a former contributing editor at the Gay UK Magazine, where he led their coverage of the 2017 UK General Election. He regularly writes about how identity shapes politics and public policy on both sides of the Atlantic. . . .His media appearances include . . . the one his family is most proud of – a profile in his local newspaper, the La Follette Press. He has a BA in history from Western Kentucky University.

I’m not seeing an extensive amount time and toil spent if the mortgage industry. Seems like he has a lot less of such experience than have I.

The fact is that study after study have shown that when one controls for relevant factors like, duh, income and credit score, blacks have an easier time getting mortgages. Much easier. That’s been my experience.

“Equal access to credit?” No society in human history has ever provided equal access to credit.

This screwing around with basic economic law reminds me of a law case years ago when California, for a very short time, banned AIDS testing in insurance underwriting. They wanted “equal access to insurance”. You read that correctly. They thought AIDS carriers were being unfairly denied Life Insurance. Kind of like people who cannot pay back loans are being unfairly denied the ability to borrow money and default on their loan. So a law was passed: no consideration of an AIDS test in insurance.

The insurance companies, to get around this, asked people if they had a communicable disease or lived with someone who did. “Yes” meant no insurance. That was the insurance response to the law.

As I recall woman -without AIDS – answered “yes” – her husband had died AIDS. So she was denied life insurance. She actually had no AIDS but the law prevented the insurance company from testing her or considering her negative test under the law! Strange how things work out

And… this is America so she sued!

Essentially her case was, the insurance co is discriminating against me. But the court very astutely noted her case was really not about illegal discrimination at all but was a charge that the insurance company had made a poor business decision (“she was truly a good health risk so they should have insured her”) forced on them by the insane law. As bad business decisions are not illegal, she lost.

That kind of craziness is on the way. Credit history will be banned and they will have to come up with new ways to award credit. And results like the above are on the way. A restriction of credit. And if they cannot figure out a way to do it and make money,there will be no credit given to anyone – except by the government. And that will finish us as just as assuredly it finished off the Soviet Union.

“Exasperated gentrification” Lol!

Wouldn’t it be more plausible if she had white friends pose as the people next door?

Arclight, coincidentally, I was thinking of this very same thing last night when reading about that black Capitol cop, one Michael Leroy Bird, who murdered Ashli Babbitt January 6th. One of the sites that purports to have info on people says his salary is in the – going by memory here – $150,000 range, and his assets were about 1 to 1 1/2 times his year’s gross income. It says the guy is 53 years old. That is a cush gig, so if anyone could get ahead a little bit you’d figure …

I’m not saying I trust the numbers completely, as I don’t know how the site would have his assets, maybe just real estate, but then how much money would this black cop have in the bank? Maybe he’s got a 401k. I wonder what he drives.

Anyway, that should be a moot point with this guy, as he SHOULD be living off the taxpayers, in a Federal prison.

I feel like 80% more likely to fail is some kind of statistical norm that is seen across subjects where the triple threat of blacks being worse at something, blacks being pushed into that same thing, and black overconfidence about same thing come into play. But I can’t quite remember where I have seen it. Here are my guesses
-Blacks 80% more likely to fail AP tests
-Blacks 80% more likely to fail bar exam

Typical behavior for a decadent rentier class. More power than they know what to do with so blow it in a futile effort to ape the behaviors of the established leisure class. You see some similar things with first generation rednecks who “make it” if you look at the storage unit rental business for instance.

Way worse for blacks because mismatch.

How can you still read the NYTimes?

https://twitter.com/pegobry/status/1412038853427400704?s=20

I don’t because principle but I don’t pretend I’m not missing anything.

Gotta compete to win. Who is?

I cannot remember the source, but I believe blacks have higher default rates than whites at every income band even with comparable credit scores.

Yes and Blacks are less likely to take care of their homes.

Ignoring something a leaking pipe can destroy a home.

It seems that the norm in a lot of these areas is to rent a home to Blacks and then shrug if something happens to it.

I remember when the market was at a low and foreigners were trying to make money by doing this. They were buying Detroit properties remotely and then paying locals to fix them.

There has to be a medium between trying to blame White racism for everything and letting Black areas become a bunch of decrepit rentals owned by foreign slumlords.

Liberals can’t see that their intellectual dishonesty does little to change the status quo. Greedy Wall St companies already tried giving underqualified Blacks a mortgage and the market collapsed. So what exactly is the liberal plan? Just pen articles that blame White racism?

In my observation, lawyers tend to have two minds. There’s an ‘office mind’ and a ‘rest-of-your-life mind’. The two minds don’t talk to each other. I did once know a lawyer whose two minds did talk to each other. He and his wife were satisfied with life in direct proportion to the degree to which they could get him to quit thinking about what was going on at the office when he was at home.

I’m recalling the man who said that for a lawyer at work, ‘what is true’ is not the question they ask. The question is ‘what needs to be true for my client’s interests to be served’. The trouble is, that for a judge, a law clerk, a prosecutor, and a municipal corporation counsel, the question should be ‘what is true’. Too often the client to these shnooks is their own ego. Paul Craig Roberts has been making the case for years that a lot of prosecutors are unscrupulous, narcissitic monsters, and I’m inclined to agree with him.

True–yet it’s even worse, since most taxes go to fund a mostly white professional class in the government, a class that hates other whites and belittles them at every turn. Every government program to ameliorate, say, poverty, spends most of its funds on government employees, their pensions, their unions, their benefits. Their equity isn’t on the line. Their jobs will not be outsourced. They aren’t fireable, they are mostly untouchable legally, and they live in an echo chamber.

I’m indifferent to most people of color. I’m willing to judge them as individuals, even given the disparities in cultural and genetic backgrounds that they have. But the whites who run things? That liberty tree needs to be watered there first.

Is there any profession or occupation that doesn’t involve lying? Every profession and occupation from sales to medical research and public health. The latter 2 professions have been totally exposed as complete liars since March 2020 when medicine and public health lied to the world about covid hoax.

Journalism; I don’t believe there’s a publication in the country that isn’t pages and pages of lies.

Teaching; even hard science and math are full of wokeness, anti White racism and CRT. College biology teachers claim that “ blue eyes and blond and red hair are mutations and the sooner they disappear the better”

As a federal employee, he will receive a pension after 25 years based on his highest three years of income, plus social security, plus a 401k-like vehicle called the Thrift Savings Plan. You don’t have to contribute to TSP if you don’t want to, but if memory serves (may be off), the feds provide a full match on the first 3% and a partial on the rest up to 5%. Meanwhile, the overwhelming majority of taxpayers have nothing even close to this level of retirement security.

That said, I don’t know how anyone could know what this guy’s assets are other than looking up the value of his home on Zillow.

Though they’ve stepped off the peddle of outrage now that Trump is gone, they’re never going to stop going on about that time a bunch of goofs pitched-invaded the Capitol and nobody feared for their life for second and a policeman shot a woman in the head while another one in full SWAT gear and carrying an AR15 beside her didn’t think to shoot her and several of them died from heart attacks due to their age demographic. (And who can forget the old lady?)

There were more than enough of them to arrest the guys on that door.

https://twitter.com/TheRalphRetort/status/1412016525159059460?s=20

Many such cases. The kind of woman who makes it to the top despises the competent nerds who keep things running too much to be an effective manager, let alone leader.

They’re like an auto-immune disease for organizations.

I’m somewhat experienced in some aspects of real property including construction and major major maintenance.

Those $25,000 houses are unlivable . I’ve seen some although they were priced a lot more. The houses are a shell. The outer walls are intact. And often newly painted. But those houses need to be completely rebuilt. Completely new plumbing, electrical, floors, interior walls and of course completely new kitchens and bathrooms and always new roofs, often new foundations. Plus if it’s an old house, you’ll find some horrific and damaging remodeling and repairs done by incompetent homeowners over the years.

What the buyers get is a shell that needs completele rebuilding. Which is always more complicated than building a new house.

What the buyers actually get is a lot worth $25,000 with a derelict house and a say $200,000 mortgage to completely rebuild it.

And the first time home owner who barely knows a hammer from a nail gun is left to deal with contractors of varying skill and honesty.

Trite, the fact that HBCU take in totally unqualified applicants and load them up with loans and then graduate abysmal numbers of students. Just web search graduation rates at HBCUs for some eye opening numbers.

Definitely – this past holiday season I went to the local high end mall to get a few things and the line to just get into the Louis Vuitton store was over 100 (mostly black) people long. There were a few based on appearance, grooming, etc. that appeared to possibly legitimately afford to be there, but most had the look of hood people looking to get a pair of $200 sweats to be seen in. The jewelry store across the way also had a line, as did Saks. Not a single other retailer had any wait, though.

My kids used to go to a fairly expensive private school where the teachers generally made between $40K-$60K (surprisingly low). The teachers parking area was a sea of sensible mid-range cars that were generally at least several years old, except for our black gym teacher, who drove a Land Rover. I can definitely understand some of the class consciousness, as even though my household is in the top 5% nationally, at this school we were without question probably in the bottom 25% of income and you cannot help noticing the parade of new high end cars at pick up and drop off while rolling up in your non-luxury and extremely common Japanese SUV. But unlike the gym teacher, I recognize that if I want to move further up the ladder, spending a lot of money on a depreciating asset for appearances’ sake is not going to get you there.

Do you know any prosecutors, either personally or professionally? I doubt it.

Exasperated does not mean the same thing as Exacerbated. As does Exacerbated. What have they done with the copy editors? Have They released a hostage video?

I can be a copy editor. May I edit copy? It’s inexpensive, and it’s fun. Reach out to me, Business Insider.

Disclaimer: This is a joke. Please Like and Subscribe.

I just looked it up. It hovers around a third. That is dismal; but I do see that it is only about half in the US in general, and only a third in the allotted time!

This is bizarre. Your universities seem to be letting in huge numbers of people who are clearly not suitable. The stats are strong enough to be proof.

I hate to imagine how facile the courses must be, given the inevitable pressure to increase retention rates.

Just change the name of a High School Diploma to BSc or BA and save 90% of students the time. The ones who actually make sense in higher education will find a reason to be there.

Who is giving these people loans?

I guess you figured out what Rosie does for a living.

But, of course, professionals are always bound so tightly to their proffessional code of ethics – lawyers especially. Michael Cohen and Michael Avenatti spring to mind.

Is Anthony Fauci bound by a code of ethics? How’s that worked out for us?

While you’re looking over Codes of Ethics, don’t forget this one:

https://www.nada.org/codeofethics/

I’m sure they would never lie to you either.

That ladder doesn’t go up.

Olson/Olsen is Swedish and Danish/Norwegian. That’ll be contentious. Scandinavians don’t like each other all that much anyway, but the Finns and Danes and Norwegians really don’t like the Swedes.

Matt Yglesias being his same old turbo-austist self chiming in to claim that American economic schools have a dubious reputation for right-wing policy is the best part.

Their economic policies started out as profoundly right wing, in 2021 they’re no longer considered right wing. That’s the whole point of the observation of modern ‘left wing’ parties. But being the turbo-autist he is, he misses this entirely and proves the point. Honestly Matt’s political transformation has been into just a low-energy Ben Shapiro.

He also misses the synergy of social liberalism and economic ‘conservatism’. The original meaning of ‘liberal’ in a political sense from the 19th century fits both. Where do you think ‘neoliberalism’ comes from, that’s what the thread is about, the rise of neoliberalism in the place of traditional left-wing economic discourse. It’s almost like the rich quite like both as both tend to be to their benefit and as social liberalism also acts to implicitly lower a sense of shared social responsibility.

It’s almost like class politics is important or something. As all those Democrats in American economics departments who might want a bit more welfare but otherwise want more globalisation have basically accepted the, at the time, very right wing ideals from decades ago and haven’t challenged them at all.

That’s why my sons is named Fereydoon Setanta.

Zuck surfing on a culture he loathes while waving the flag to get his legal income tax break.

To our elites our flag is something they hide behind while working against the very idea of our nation. https://t.co/mFmdkGEoiy

— Joe Kent (@joekent16jan19) July 5, 2021

I like Kent. We should help him pick the right battles.

I don’t get the sense Zuck loathes anything. Not many loathers among CivFanatics. Just seems like he’s LFG and if you’re a leader you’re used to people like that trying to tag along.

He wants to be a mountaineer-American can’t say I blame him. Better than waving a rainbow fist and aping the CCP like John Cornball and his butt-buddies. We could use the help.

The best way to solve the housing issue is to

1: Abolish property taxes on primary residencies. (No one needs to move out of a paid off property unless they want to, no matter what development happens around them. Also good for anyone with an estate with acreage, or a small home in a downtown area.)

2. Build East Asian style HDBs complete with markets and shops. (Not high rises though, as those are structurally and long term inefficient)

3. Build coffin apartments

Between these three, everyone gets covered. No one can be forced off their property by a simple change in the economy or rising prices or taxes or a stroke of ill fortune. Families and people looking to live in a city will have a reasonably priced and available living space they can actually own (the flat) or rent, with walkable and nearby community infrastructure. Finally, someone who ends up basically homeless (but not from insanity or drugs), is a real migratory bird, has super low standards, or wants to scout a place out has an incredibly cheap option.

Arc, $40K is a low public school starting salary here in WNY. The local HS parking lot is filled with newer cars and some low end luxury cars. High end housing is where our local teachers spend their money.

The homeownership debate glides past the obvious…

Honestly Matt’s political transformation has been into just a low-energy Ben Shapiro.

As it will be in the future, it was at the birth of Man–
There are only four things certain since Social Progress began:
That the Dog returns to his Vomit and the Sow returns to her mire,
And the burnt Fool’s bandaged finger goes wabbling back to the Fire.

I was a loan officer for a major California bank. I am retired. I made home loans, car loans, etc. I was never instructed to do anything other than look at the income, credit scores for ability to pay and willingness to pay.
The house had to be appraised. The vehicle had to be road worthy but the race of the applicant was not an issue.
After I retired, I was appalled at the lowering of federal standards to get loans for people who couldn’t manage the debt. We know what happened.

Richard, people only say such things out ignorance or malice. This first, at least, can be remedied by study.

— Yoram Hazony (@yhazony) July 5, 2021

Hanania is at least wrong in interesting ways, and with the direction Caltech is going he might even end up right.

But yeah the temporal chauvinism of the postmodern curriculum produces a mental tabula that’s inadvertently pretty rasa, at least when it comes to history and culture.

The real problem is that housing is so spread out in the United States and when large tracts of housing are built all at the same time, it inevitably means that you end up not having other amenities such as stores within walking distance of the homes.

In fact in newer communities everything is more and more spaced out and it is all gated housing subdivisions and freeways.

In most countries within the 2 American continents and the Caribbean you will find rich people living in large walled homes right next to, or within walking distance of poor people living in very modest homes.

Usually there is copious public transportation that is very cheap, and everybody can shop in the same markets and malls.

There is very little building development going on in the United States that is aimed specifically at sales to low income and new immigrant workers and their families and that is located close to amenities.

The best thing we have is trailer parks, which account for a significant percentage of overall housing in the United States, but do nothing to build family wealth.

A quick read of the wiki bio of the click-mill’s founder, Henry Blodget, should instruct you that this is not your dad’s “business world” publication. “Woke capital” isn’t and never has been an oxymoron. Sharper-Image-Black-Liberation is a big box office hit & still lots of consoomer profit left in it.

Black borrowers are 80% more likely to be denied a mortgage than white borrowers.

The Fair Lending for All Act would establish a new federal office to ensure discrimination in lending is not happening.

Because one great recession in the early 21st century isn’t enough.

I don’t really see any qualifications in this guy’s resume blurb that indicate an extensive knowledge of mortgages or real estate finance.

Skylar Baker-Jordan

Skylar Baker-Jordan has more than 10 years’ experience writing about US and UK politics. He is a former contributing editor at the Gay UK Magazine, where he led their coverage of the 2017 UK General Election. He regularly writes about how identity shapes politics and public policy on both sides of the Atlantic. His bylines include The Independent, Newsweek, Huff Post UK, Salon, and Metro. His media appearances include the BBC World Service, the Democratically podcast, and the one his family is most proud of – a profile in his local newspaper, the La Follette Press. He has a BA in history from Western Kentucky University.

Oh, sorry. He wrote for Gay UK. My mistake.

This is the new priestly class of the left finding a home in journalism wherever they decide to plop their fat pontificating rear ends.

Studies show that women are massively overrepresented among those who give birth to babies. Men aren’t pulling their weight.

You are living before Year Zero. The birthing-person sex gap has seen phenomenal progress in gross justice product in the past 12 months.

The reason white housing is expensive is because whites are looking for enclaves where they can be protected from black criminal predation.

What would you rather pay? 50K for nice house, or a million for the same house?

I’ve stumbled across a couple of Mormon family YouTuber channels, basically reality shows on YouTube following family activities of Mormon families with a lot of kids. They live in obscenely huge houses. It’s hard to figure out they afford them, given the jobs that the parents supposedly do. YouTube income can’t be that much, can it?

So I assume the the houses are just much cheaper than I imagine, but they are build in a very white community in Utah. That’s it. Add more blacks and all of a sudden the housing economic dynamics would change drastically. And these families need cheap houses because they also need to buy buslike vehicles to carry a dozen or more people.

But no one beside White males has agency so Norma Rocio Gahle Garcia is irrelevant.

@Reg Cesar (#40)

Prop 13’s popularity (though the schoolies never tire of attacking it) continues to stem from how it prevents homeowners from being reassessed every week and, eventually, into homelessness. It’s time for 13 v2: Every real property owner pays the same, low rate per 100 square feet. $1 sounds about right.

#23 (statehood!) is ridiculous. Three Electoral votes for the USG. For that matter, those sparsely populated, mountain states, plus HI, should never have been admitted. For example, the USG can always count on (85% federally owned) NV’s support. I’m guessing that the Indian tribe, that owns a sizable chunk of AK, is just a front for Standard Oil of CA. Three more EVs for the Rockefellers.

Re: Betsy Ross and friends sewing the first American flag

Here is obviously the source of American systemic racism; those bigoted White women deliberately used white cloth to make half of the stripes and ALL of the stars!

Is there any profession or occupation that doesn’t involve lying?

I would say structural engineering, except in So. Florida.

Public school teachers generally get paid more than most of the private school teachers in my city. Having also briefly had my kids in public school, I’d say the discount of being a private school teacher is totally worth it when it comes to the students and their parents, plus most of the private schools offer a huge discount on tuition for the teachers’ own kids.

Yeah, hard to disagree. The people leading the charge against ordinary Americans and the CRT blood libel are 90% professional whites. I recently had to participate in a roundtable about some economic issues in my city and surrounding areas and there is a new well-funded diversity and inclusion non-profit that chirped up at every opportunity. Naturally the higher up professional staff are white women, with a handful of lower level black employees to round things out.

Interesting because Sean Combs’ birthname was Sean John Combs.

Do Ann and Nancy Wilson know their names come from the same place? There must be brothers named James and Jacob, Henry and Harry, sisters named Alice or Alicia and Heidi, Mary and Miriam, Molly and Polly. A George could have a Yorick, but I doubt the latter name is in common use.

Deborah and Melissa mean “honeybee” in different languages.

OT, but another example of preposterously stupid anti-whiteness, from 4 years ago:

How Does Race Affect a Student’s Math Education?
A new paper examines the ways “whiteness” reproduces racial advantages and disadvantages.

https://www.theatlantic.com/education/archive/2017/04/racist-math-education/524199/

QUOTE:
While acknowledging its contributions, Bullock still questioned a core principle: In scrutinizing whiteness, had the paper skirted the idea of anti-blackness? By definition, she said, whiteness and anti-blackness might appear to mean the same thing. But the terms can mask distinctions, she noted. To illustrate, Bullock applied a critical race-theory lens to the paper’s findings—for example, how the conclusions on racial stereotypes might be viewed differently if the measure wasn’t the dominant positioning of white students (whiteness) but how the test is racially biased (anti-blackness). “I think it centers white [people] in a way, even as you’re thinking about interrogating whiteness,” she said. “A framework for whiteness necessitates a discussion of anti-blackness. To operate in anti-blackness [is] a very different thing.”
Still, both Bullock and Battey agreed that school systems ought to support math educators in deconstructing and discarding the white frame of mathematics education. “Hopefully this starts to attune people to what to look for in classrooms [and how to] provide more opportunities for students to engage more openly in mathematics,” Battey said.

I know a set of brothers named Michael and Mickey. Their father had a plate in his head from Vietnam.

Who will they blame when everything has been taken, everyone else is dead, and they are STILL FAILURES??? When my wife and I first got out of college, we lived in a very small apartment and drove very old used cars. When we upgraded that apartment, we sold one of the cars and I rode by bicycle to work so we could easily afford the new apartment and have money to save. We bought economically-priced clothes and shoes, rarely ate out, had relatively low alcohol consumption, and employed other “deferments of pleasure” so that we could live within our means and even save some.

At what point is someone going to finally stand up and speak the truth about the REAL REASONS some blacks are poor, and some whites are poor, and some Asians are poor, and some Hispanics are poor? The last guy who was brutally honest, just got released from jail on a technicality after having been prosecuted as much for his stand on black economic truths as his alleged assaults on women.

I prefer diatomaceous earth. If we are ever invaded by hostile aliens with exoskeletons, Chad will become the most important country on the planet.

There are worse things than silica gel:

There have been numerous studies that show that banks are more likely to be defaulted on by blacks than whites across numerous criteria: Mortgage size, income, credit rating, zip code etc.
The constant in all cases is culture.
Black culture doesn’t repay either its practitioners or their financiers.

Medicaid alone spends $2.1 Trillion and most of it goes to Blacks and Hispanics.

Medicaid expenditures in 2019 were about $640 bn. About 46% of all beneficiaries were black or hispanic.

Thanks for clarifying.

Yeah. That would be a big job even for me, (working alone) so I can see how it would be completely out of reach for a black man or group of black men.

The ratio of housing costs in a given neighborhood (to nominal income per capita in the commuter belt as a whole) are going up and down all the time. You don’t need housing constructed specifically ‘for’ some social segment. What you need to do is to ensure that building codes, land use regulations, and the practice of landlord-tenant law do not prevent such housing from emerging from amongst the extant building stock.

The Draconian penalties incurred by lying to the court:

Please. I’d like to see some run-of-the-mill nobody lawyer get away with something like that.
It helps to have friends in high places, in the professions as elsewhere.

I’m sure they would never lie to you either.

The subject under discussion is not whether crooked lawyers exist, but whether crookedness is, as OP stated, “openly accepted within the legal profession.”

Is there any other profession in which the normal performance of your professional duties involves lying?

Politicians (and pretty much everyone involved with the masquerade known as “government”), journalists, clergy, bankers, stock brokers, advertising professionals, insurance salesmen, car salesmen, and police officers all immediately come to mind.

☮

Tony Massey I asked Art Deco if he knew any lawyers either professionally or personally. Not you.

And that fuddy duddy ancient conservative is a conservative blowhard; completely ignoring affirmative action and anti White racism. He’s a business conservative. Low taxes and all sorts of tax payer paid incentives for small businesses run by non White immigrants. PCR is stuck in the 1950s. He’s unaware of what the government has done to Whites in the last 60 years.

There’s one Englishman who knows little about America who comments profusely on this site.

As I understand it, the contractors used sea water not fresh water to mix the concrete. The salt rusted the rebar beams and metal fittings and sheeting. I never thought about what kind of water is used to mix concrete for large projects. Most contractors use city water from the outdoor garden faucet. I wonder if there’s a provision about salty sea water VS fresh tap water in the city county and state building codes?

It’s the kind of thing the people who write building codes never think of until something happens.