Motorin'

Hate in the individual isn't required for the system work unfairly. Algorithms can execute discriminatory policies without the capacity to feel, let alone hate. I mean, you can tell yourself that. There's virtually no evidence to back that up. If there is I'd love to read it.

It's not necessarily an either or situation. If we are strictly talking about breaking out of poverty, absolutely having a two parent household plays a huge role in most cases. There is big a difference between breaking out of poverty, and traversing the massive wealth gap created from hundreds of years of unpaid slavery, a hundred years of segregation and discrimination followed by 50 years of attempts to root out the remnants of discrimination.

The wealth gap between black and white households in 1960 was 700%. A relatively small amount of black households then were single parent. The wealth gap today is still 650%. If single parent households are to blame, then the two parent black households would have closed the wealth gap with two parent white households. That simply has not happen. The income gap is vast, as is wealth and home ownership gap (for two parent black households.) Contrary to earlier comments in this thread, I am not motivated by communism allegiances and have no hopes of destroying America. I think there are tangible financial harms done to black families that need to be repaid, and my hopes are that with amends will come a more united country.

You could not have stated the facts more backwards if you tried. It's like you are trying be wrong. https://www.bloomberg.com/news/features/2021-03-09/racial-inequality-broken-property-tax-system-blocks-black-wealth-building

You are not correct sir. County governments that levy property taxes vary greatly in how often they determine assessment value for the purpose of property taxes. Black owned homes are over assessed for the purposes of property taxation by 15% nationwide. Black homeowners who pay to have their home's market value commercially assessed when they are in the process of selling, refinancing or applying for a home equity loan have the value of their homes under valued by a much higher percentage. That's what the data and evidence in the articles I posted state. Land of the free, no?

My grandpa fought in WWII and used his zero down VA loan to buy a house for around 15k. He passed away in the 90's, but my grandma kept on trucking. When she passed away about 10 years ago, we sold the house for over 200k. Money in our pockets that my grandparents were able to leave us in the 2010's. As I've pointed out, the value of home equity that middle and working class white families were able to pass on to future generations that they bought with federally subsidized mortgages is over 1 trillion dollars in total. Black families were systematically denied access to these programs that lasted over 40 years after WWII, and as a result were denied the ability to pass on equity to future generations. But the discrimination in housing policy and practice doesn't end in the 20th century. They continue to this very day.

Why do you choose abrasive language aimed at shutting me up rather than addressing the substance of my posts? Enough already.... Oh come on... Thanks for the lack of discussion... You've already made up your mind that you are right and I am wrong and are using juvenile behavior to try to shut me down. Not appreciated.

Yes, a higher percentage of black people have been in poverty than the percentage of white people, and thus eligible for welfare. The idea that welfare unfairly helps black over white people is simply untrue. More white people have been given more money from the government via welfare than black people. And I would LOVE to see any eligibility requirements that give black people and advantage on the basis of their race as at least two posters have claimed. I simply believe those are lies they have been fed to stoke the narrative that white people are ripped off by welfare. And as I pointed out, black people were systematically denied access to federal subsidy programs that allowed mostly white people to build wealth through homeownership. This includes the black WWII vets who were barred from participation in the zero down, low interest guaranteed mortgages through the VA.

There are two different circumstances. One is the situation you describe where it is literally the same home. But when the assessor comes there's a black family in the home. It gets systematically undervalued than if a white family was present in the same home. I posted links on this, the national assessment association admitted this still happens, this year. The second senario is similar home, similar level of up keep. Vastly lower assessment if it is in a predominantly black neighborhood... Did you read the links I posted?

The welfare state has given way more money to white people than black people throughout it's existence. To this day there's more White people on welfare and receiving food stamps... There's no race test to get welfare, it's based on economic need. At the same time black people were excluded from the most important policy instituted by the welfare state, federally subsidized home ownership. My grandparents bought a house that was federally backed in the late 50's for 10k. We sold it when my grandma passed away 10 years ago for over 200k. Generations of black families were deprived of the ability to build equity through federally subsidized home ownership while white families that accessed federally back mortgages passed down over 1 trillion in equity after Brown vs Board of Education.

That's my point, despite laws being put on the books that make those practices illegal, they are still wide spread and are the cause of hundreds of billions of dollars of wealth disparity. Today, in 2021. What federal programs are you referring to?

I don't believe your participation is in good faith in this thread. I think your demands are intended to end the conversation, not open it up. Hence your complete failure to acknowledge detailed post and 5 linked articles backing up my position. If you'd like to read and respond to the substance of my post, then I'll be happy to engage. But something tells me your mind is made up and you have little desire to make an effort to see if what I am presenting might have some truth to it.

Have a great night.

There's multiple areas of systemic racism still at work, but I'll start with just one to keep matters concise. Black owned homes are appraised on average 200k less than comparable white owned homes at the time of sale and for home equity loan purposes, while black owned homes are over assessed for the purpose of property taxation compared to white owned homes. https://kinder.rice.edu/urbanedge/2020/09/24/housing-racial-disparities-race-still-determines-home-values-America https://www.bloomberg.com/news/articles/2021-03-03/appraisers-acknowledge-bias-in-home-valuations https://www.washingtonpost.com/realestate/for-black-homeowners-a-common-conundrum-with-appraisals/2021/01/20/80fbfb50-543c-11eb-a817-e5e7f8a406d6_story.html https://www.enterprisecommunity.org/blog/07/20/unpacking-racial-disparities-in-property-taxes Middle class and working class black Americans were deprived access to federally subsidized home loans throughout much of the 20th century, were specifically targeted during the subprime / variable rate lending boondoggle that nearly collapsed our economy in the mid 2000's, and continue to pay more than their fair share in property taxes while having the value of their homes devalued by the assessment industry when they go to sell or obtain home equity loans. The result of 20th deprivation and 21st century discrimination in property taxation and home valuation is the leading cause in the vast discrepancy in wealth between black and white families. White families have an average of 188k in wealth while black families have an average of 24k in wealth.... Next I'll do disparities in marijuana charges, where black Americans are charged with possession of pot nearly 400% more than white Americans dispite similar usage.

That does not come off as someone who wants to have an open discussion on the topic.

There are definitely remnants that still function towards that end despite much reform. And in areas that have been reformed, there have been long lags between the the changes on paper and change in practice. And in the areas that have been changed in practice, there are still many debts owed to make up for the blatant discrimination. I don't deny that a ton of progress has been made, and that the structure of our society is much less racist than it once was. I'm happy to talk specifics and get into objective measures. Though my experience has show that there is a deep unwillingness to accept the possibility for their still to be racism or any meaningful discrimination to make amends for.

Racism is more than one thing. The OP's question pertains to two different forms of racism without distinguishing them. It seems obvious that a black person can hold racist thoughts about white people and engage in interpersonal racism in their behavior. When people have said "only white people can be racist" they are talking about structural racism in America. Structural racism being the establishment of laws and social structures implemented to benefit white people. Imo, white people can benefit from structural racism without holding any racist views perosonaly. And if they didn't enact the structurally racist systems that benefit them, and if they are unaware of the existance of those structures, it's hard to say there are racist. But the staying power of structural racism has been made possible through the denial of the existance of racism. Often that denial is pertaining to personally held racist beliefs, not the actual structures of law, economic and social infrastructure. So it is convenient if you've benefited from racist structures if you don't believe they exist.

He didn't apologize and say how sorry he was. He said he will give them information soon that will bring them peace. The statement only makes sense to me as an example of his major control issues. Like somehow he has the power that will allow the Floyd family to heal. The man continues to be a sadist, imo.

I actually thought KC's defensive scheme against us was the biggest reason we lost both games. They were one of the few teams that could consistently generate pressure while blanketing our wr's and / or confusing Allen with coverages. They got 2-3 more stops than most teams. Otherwise we could have been in position to win both games in a shootout.

Check out the big brain on Brad!

For the decade of the 80's, interest rates never dipped below 10%. Peaked at 16% in 1981. Ah, the good old days! But yeah, Williamsville at 3% annual property tax rate does has 2-3 times higher property taxes than a lot of places in the country. As much as it pains me to say this (having grown up in OP kicking your ass in Lax on a regular basis) Williamsville has great schools. Sometimes you do get what you pay for. I looked it up in the Erie County data base. They paid just over $1,000 for 2020. Are there two places to pay property taxes in the City of Buffalo?

The city of Buffalo's property taxes are half the rate of Williamsville. Where I live, my 2 bedroom condo for $500k would cost $200k in Buffalo. But I can also charge four times as much for my services and have access to 10 times as many clients. So there's trade offs in anything. You can get a lot of house for your money in WNY, even with recent property value increases. And with interest rates being what they are now, the 3% annual property tax is negligible compared to the savings on the the monthly interest rate. Imagine buying a home when interest rates were double digits and paid monthly? Jesus.

You wrote that your total payment on a 750k house is the same as the total payment on a 400k house in Buffalo. For that to be true the property tax rate would have to be 87%. But the tax rate in Buffalo is 1.8%. Idk man, maybe your parents were being assessed for a 400k house?

A 400k house in Buffalo (at 15 years, 25% down and 2.35 interest) is about $2,500 per month after taxes. A 750K home in Maryland (at 15 years, 25% down and 2.35 interest) is around $4,500 per month after taxes... That's 2,000 more per month buddy. At 30 years the Buffalo home is $1,700 less per month. Are you really trying to make us believe that the cost of property tax in Buffalo on a 400k house is as much as the mortgage on a 350k house with interest? It actually looks like Buffalo homes for 300k have 250% lower taxes than Annapolis MD home for 300k. https://www.redfin.com/NY/Buffalo/35-Cheltenham-Dr-14216/home/79325783 Buffalo - $98 per month https://www.redfin.com/MD/Annapolis/622-Wye-Island-Ct-21401/home/10452733A Annapolis - $268 per month

There's really no way to have a reasonable conversation in this forum. It is easy to create posts motivated by blame and ridicule. It's not just encouraged, it's a behaviour pattern. Stepping away from the environment that brings out the worst in people is the only thing that has ever worked for me.