Detox's political thread

Show me a good article on “housing segregation” in 2020.

I’m having a hard time following along here.

A black family earning $100k within the household is shifted and integrated into white communities where the average household earning is $35k?

Please clarify that statement because it doesn’t make any sense.

Why is there a lack of diverse racial communities? What is your definition of a “diverse racial community”? How many “diverse racial communities” do we have? What country in the world has a more/higher percent?

I think in order to get the numbers you want we would have to force minorities to move into white communities. Historically the Irish have liked to live with the Irish, Italians with Italians, Asians with Asians, Dominicans with Dominicans etc. Are you suggesting that we should start telling people where they have to live in order to meet quotas?  

I don’t think you really have any idea what you’re talking about.  

What are you confused about? You think a Black family earning 100k + wants to live in a poor white community? They would not prefer to live in communities with other 100k+ earners? 

This was just one of many examples of how housing segregation takes place today. 

Historically, minority immigrants, and blacks were forced to live in communities with each other because of legal forms of housing discrimination including, redlining, and mortgage lending discrimination, it is not simply personal preference like you claim. 

Clearly, you are the one that does not know a thing about the history of housing discrimination and segregation in this country, and how it still carries effects in terms of racial housing distribution today. Again I suggest doing some reading of "books" on the subject, which I know you will not do because you admitted to such. 

I also think you need to research housing patterns and distribution in the largest American cities today, if you think housing segregation is no longer present. 

This is a pointless endeavor trying to inform the blind, when they are unwilling to listen or learn. 

A generic answer is that schools are funded by federal, state and local funds. Maybe 50% comes from local property taxes. 

Poor families (white, black, brown, blue) that value education move into strong school districts. 

How do you think this should work? 

We get rid of cities and states ... pay property taxes to the US government and every school gets funded equally? 

I think that my communities property taxes should help fund my communities schools. 

A black family earning $100k isn’t forced to live with $35k poor white people in 2020! 

Lmaooooo do you even have friends bro? 

Here is a very recent article (December 2020) on the relationship between income and housing segregation in the U.S. since you are experiencing trouble understanding how and why it particularly impacts minorities of color. 

https://www.brookings.edu/essay/trend-1-separate-and-unequal-neighborhoods-are-sustaining-racial-and-economic-injustice-in-the-us/

Please find and post an article or book from 2020 on Indian Americans and Jewish Americans, culture and family resulting in higher earnings compared to Blacks. 

Thanks 

Redlining and mortgage discrimination is illegal. If there is any hint of it lenders would face massive penalties in 2020. 

What more can be done? Please explain. 

Did I say forced? What are you talking about? Clearly you have no clue about the relationship between race, income disparity, and housing segregation. You are unaware of lending practices, and strategies employed by real estate actors to reinforce racial housing segregation. Read up on it and report back. 

Born and raised in Mass parents last names are Thomas and Hayward. Little rich girl vacationed in Spain. I have no dog in this race argument but don’t defend that fraud

Because mortgage discrimination is illegal in 2020, you don't think it happens? Yes, employment discrimination is illegal too, you think it does not happen in 2020? Sexual harassment in the work place is illegal too, doesn't happen in 2020? 

You are one gullible fella. I can see why you think institutional racism is no longer an issue in 2020. 

Here are a couple of current articles on the matter. Wake up man. You make yourself look highly uninformed.

https://www.inquirer.com/real-estate/housing/philadelphia-settles-lawsuit-wells-fargo-allegations-discriminatory-mortgage-lending-minorities-20191216.html

https://revealnews.org/article/for-people-of-color-banks-are-shutting-the-door-to-homeownership/

I suppose the response will be something like Fake News. 

You don't think billion dollar banks can pay fines and settle lawsuits??? 

These are the lending practices in 2020 

I type your numbers into a computer and send the numbers to underwriting. Underwriting gives the thumbs up or the thumbs down. Nobody cares about skin color. 

And that article is too long and has too many ideas to debate. You’ll have to pull something specific from the article that you would like to highlight. For example, they talk about “systemic bias in lending and appraisals”. They link a NY Times article as a source that I couldn’t read because of their pay wall. Appraisals are based on recently sold comps. I have an idea where they’re going and that seems like something that just isn’t true. I believe a white trash neighborhood would have the same arguments.

Almost everything that they’re saying could also be said about a poor rural white town. 

As usual, the argument should be poor vs rich but they have twisted it to black vs white. If you stick to poor vs rich the argument will be received better. People tend to overlook that non-Hispanic white people make up 42% of the Americans in poverty (17 million out of 39 million in poverty). 

Black people are disproportionately poor. So the debate always comes down to *why are black people disproportionately poor*? 

You believe it’s because the “system” is working against them. 

I believe it’s because of the welfare state and culture. 

“The analysis – independently reviewed and confirmed by The Associated Press – showed black applicants were turned away at significantly higher rates than whites in 48 cities, Latinos in 25, Asians in nine and Native Americans in three. In Washington, D.C., the nation’s capital, Reveal found all four groups were significantly more likely to be denied a home loan than whites.”

Statements like this are ridiculous.

That Reveal article blows. Nearly everything in there is debatable. I’ll read the other one tomorrow. 

What makes it ridiculous? The fact you don't like the stats or statement? 

Very predictable. From you. I don't like the facts, so I will deny their existence. 

Again, I am still waiting on a source, article, book, or link that proves that Indian Americans and Jewish people possess higher incomes than other ethnic minorities because of "culture". 

Shockingly, you still have not been able to provide one. Hmmm. I wonder why?? very predictable. 

The statement is moronic. You would obviously have to look at the details. 

If the average white person has a net worth of $100k and the average black person has a net worth of $9k, what group do you think is going to be more likely to be denied a loan? 

I’d bet that there is not one black person in America that legitimately qualifies for a mortgage that can’t get a mortgage. 

This is the Democratic Party. 

Of course there are many articles about the ‘culture’ of Asian-Americans leading to their income and success.  These are very easy to find.  We have even discussed this on here before. 

Here are excerpts of one here highlighting culture as the reason:

3) Tremendous focus on education.

Education is emphasized more than anything else in the Asian household. Get good grades, go to college, or else be a disappointment. Ever wonder why there are so many Asian dentists, doctors, and lawyers? More education is correlated with higher income and wealth. 

A 2013 Nielsen Research Report found that Asian American households have a median net worth of $89,300 compared to $68,800 for overall US households, a 30% difference. Meanwhile, roughly 49% of Asian Americans have Bachelor’s degrees vs. 28% of the general US population, a 75% difference.

Why Asian Americans Save And Earn So Much

Building wealth starts with savings. There is no such thing as investing, buying a home, or building alternative income streams without savings.

Let me share with you reasons why I think Asian Americans save and earn more than the overall median. Again, this is just one person’s point of view on income by race.

1) Asians are allergic to debt.

Taking on debt to purchase a car, a piece of property, or stocks is a relatively new concept for many Asians. We’ve been taught the tenet, “If you can’t pay for something in cash, you can’t afford it.” This tenet runs counter to the heavy consumerism culture in America.

If you go to any property developer in China, it is common for 80%+ of the units to be purchased with cash compared to less than 40% in America. The same trend continues in India. Debt is slavery. Cash is freedom.

Before the pandemic, the US personal savings ratewas roughly 6% according to the US Bureau Of Economic Analysis compared to 30%+ in places like China and India.

3) Few Asians in leadership positions.

When there are hardly any Asian American politicians, actors, and CEOs, it’s more difficult to visualize yourself in such positions as a kid. After all, the Asian population is small. When there are few examples to aspire to, there’s a tendency not to even bother.

Instead, Asians may just decide to be their own boss through entrepreneurial endeavors e.g. restaurants, convenience stores, laundromats, landlording, online businesses, etc. Entrepreneurship tends to be much more lucrative than being a median income worker over the long term.

4) Family finances.

It’s common to see post-college Asian adults still live at home with their parents. Why pay rent when you can live with the parents and save money for a downpayment, is a common way of thinking. There’s also the traditional aspect of living at home until one gets married, unlike US culture, which encourages independence as soon as possible.

If you save $30,000 a year in rent for 8 years until age 30, you will likely be better off financially than average. Personally, I could never imagine living back home with my parents after college.

In academics, it doesn’t matter if you’re only 5 feet 1 inches tall, you’ve got the same opportunity as someone 6 feet 10 inches tall. Even if you are poor, so long as you have a stable household you can still study as long as someone who is rich.

There is nothing more important to the Asian American population than academics. Parents will do absolutely anything to help give their kids a chance to excel in school – from after-class tutors every day to Sunday school.

7) Lower divorce rates.

Asian American families divorce at roughly half the rate of other Americans. There is a stronger social stigma against divorce in the Asian community. Although most marriages occur due to love, practical reasons for marriage may be more common.

For example, arranged marriages can be found in Indian and Chinese culture to a lesser extent. I have Asian friends who aren’t romantically in love with their husbands, but stay together due to social pressure and convenience.

If you have a more stable household, finances tend to be stronger and children tend to have a better chance of going to college and finding a better paying job.

7) The Realization Nobody Will Save Us

Given Asian Americans account for only ~6% of the US population, many Asian Americans realize that nobody is going to save us– not the government, not our colleagues, not the NBA, not the majority. Even if every single Asian American was brilliant and physically intimidating, we’d still get crushed by everybody else as such a small minority.

The only people Asian Americans can count on are our immediate family and education. This is why you see such a concentration of Asian minority groups in various urban settings e.g. Chinatown, Koreatown, Japantown. It’s a similar concept to why schools of fish swim together in the great unknown ocean.

For this discussion to even be entered into, the following three definitions have to be understood and agreed upon.  They apparently have not been:

systemic racism

policiesand practicesthat existthroughouta wholesocietyor organization, and that resultin and supporta continuedunfairadvantageto some peopleand unfairor harmfultreatmentof othersbasedon race:

systemic

relatingto or involvinga wholesystem:

allegation

a statement, made without giving proof, that someone has done something wrongor illegal:

@I_Need_A_Detox

 Nice win tonight 

But fairly easy to win against a lack of substance. 

Democrats have such a little understanding of what they’re talking about that they can write 10,000 words and at the end of it the reader still has no idea —  

1. What the exact problem is and who is to blame 

2. What they think we should do to solve the problem 

Democrats will form groups and gobble up millions of dollars trying to solve this problem. And the reality is that there currently isn’t a problem to be found or solved. They will force the big lenders to be audited and prove that they are not racists. 

All a waste of time. Anything that is accomplished will have zero impact on real world problems. 

But ultra liberal white Becky that graduated from Cornell Law 4 years ago will feel like she made a difference fighting the good fight. This is the Democratic Party. 

Real problems are that black kids are disproportionately raised in broken homes. Black culture promotes spending 20% of your paycheck on a pair of sneakers. Black culture promotes wearing a $1,000 outfit while living in your girlfriends section 8 apartment. Black culture says that computer science degrees are for nerds and rapping and having a nasty crossover is for the cool kids. Black culture celebrates the local pimp and the local drug dealer. Black culture focuses on the negatives and completely overlooks the opportunities that are available to everyone in this country. Black culture makes you believe that you don’t have a chance. 

Black culture is what needs to be changed. That’s where the energy and focus needs to be. 

What needs to change . 

The laws that are making criminals .

Taking man and women from their homes on some guise it for the good of society. 

We need to stop destroying homes opportunity. 

We need to stop creating misery and suffering as a rule. 

We need to stop giving up on our children allow secret courts to exist and deal with reality of sex slave trade that no one is above the law that nothing is allowed to get away with murder rape .

I give a rats ads who smoke what in what pipe. And what injecting what substance that shipped sailed and is gone. This corruption in government must end.

The problem is not you being uneducated.

The problem is that you are educated just enough to believe what you have been taught, and not educated enough to question anything from what you have been taught. 

The 'wild' ride on 6 January in DC just got wilder!

SENATOR JOSH HAWLEY (R-MO) JOINS 30+ CONGRESSMEN IN OBJECTING to electoral college vote submissions from states with such flawed election systems as to render their election results untrustworthy. BAM! The fight for America’s Republic IS ON! WATCH JANUARY 6, STARTING 1PM ET.

My couch will be available!