tag:blogger.com,1999:blog-23428832.post8173973225418077587..comments2024-03-18T22:34:29.437-04:00Comments on field negro: A new form of voter suppression.field negrohttp://www.blogger.com/profile/15411743587725023134noreply@blogger.comBlogger98125tag:blogger.com,1999:blog-23428832.post-31095848307162364102020-02-13T02:28:46.634-05:002020-02-13T02:28:46.634-05:00HOUSEWIFE ESCORTS
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Vote early to ensure your vote (anything can happen later) and to decrease the number of people in the lines on election day - take a friend! <BR/><BR/>Make sure not to wear any political buttons, shirts, etc, or they will turn you away from the polls and hope you do not return.<BR/><BR/>If you are voting the straight ticket ensure that it includes your vote for the president. Some states require you to vote on a president first and then you can vote a straight ticket.<BR/><BR/>If you are a Democrat and feel that your vote is being suppressed call 1-888-DEM-VOTE.<BR/><BR/>Whatever you do VOTE!Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-23428832.post-49123312838941477012008-10-08T12:43:00.000-04:002008-10-08T12:43:00.000-04:00ezmun, The number of credible research papers on t...ezmun, <BR/><BR/>The number of credible research papers on the topic of Mortgage Defaults and Race is a large number. A few are cited below.<BR/><BR/>Mortgage Default Rates and Borrower Race <BR/><BR/>Richard Anderson <BR/>New Jersey City University<BR/><BR/>James Vanderhoff <BR/>Rutgers University<BR/><BR/><BR/><BR/>Journal of Real Estate Research, Vol. 18, No. 2-3, Nov.-Dec. 1999 <BR/><BR/>Abstract: <BR/>We estimate a mortgage default model with national data on conventional mortgages that were current from 1986 to 1992. Our analysis confirms the results of previous analyses of Federal Housing Authority mortgages: Black households have higher marginal default rates, controlling for differences in borrower and property characteristics. Further, we do not find that Black borrowers have significantly more home equity. These results do not provide evidence of racial discrimination in mortgage lending and suggest that differences in default costs or transaction costs may explain differences in default rates. <BR/><BR/><BR/>Neighborhood Effects in Mortgage Default Risk<BR/><BR/>Prepared for:<BR/><BR/>U.S. Department of Housing and Urban Development<BR/><BR/>Office of Policy Development and Research<BR/><BR/>Prepared by:<BR/><BR/>Robert F. Cotterman Unicon Research Coporation<BR/>Santa Moncia, CA<BR/>Under Contract: C-OPC-18484<BR/>March 2001<BR/><BR/><BR/>The Consequences of Mortgage Credit Expansion: Evidence from the 2007 Mortgage Default Crisis <BR/><BR/>Atif R. Mian <BR/>University of Chicago - Graduate School of Business; National Bureau of Economic Research (NBER)<BR/><BR/>Amir Sufi <BR/>University of Chicago - Graduate School of Business<BR/><BR/>May 2008<BR/><BR/>Abstract: <BR/> <BR/>We show that an expansion in the supply of mortgage credit to high latent demand zip codes led to the rapid increase in house prices from 2001 to 2005 and subsequent defaults from 2005 to 2007. <BR/><BR/>From 2001 to 2005, high latent (unfulfilled) demand zip codes experience relative declines in denial rates and interest rates and relative increases in mortgage credit and house prices, despite the fact that these zip codes experience negative relative income and employment growth. <BR/><BR/>The growth in securitization was significantly higher in high latent demand zip codes, suggesting a possible role of securitization in credit expansion.<BR/><BR/>Banks, for their part, saw the affordable housing push as a way to placate and/or gratify politicians and community activists, and also to meet visibly CRA requirements for making credit available to minorities. <BR/><BR/>CRA loans, let us not forget, have 100% loss rates and are functionally equivalent to political campaign contributions. <BR/><BR/>By the early part of the 21st century, nearly every mortgage lender in the U.S. incorporated the twin messages of “affordable housing” and “creative financing” into marketing, credit approval and product development efforts. <BR/><BR/>The home builders and realtors were also an important part of the affordable housing push, exerting political influence to gain government support for housing going pack three decades to the 1970s. <BR/><BR/>Then as now, boosting home ownership and home building was seen as a way to stimulate a sluggish economy.no_slappzhttps://www.blogger.com/profile/04207475509053402475noreply@blogger.comtag:blogger.com,1999:blog-23428832.post-1934764326818709642008-10-07T20:24:00.000-04:002008-10-07T20:24:00.000-04:00"Senator Obama is ALL about class warfare, gender ..."Senator Obama is ALL about class warfare, gender warfare (his misogyny makes me wretch), culture warfare, and race warfare."<BR/><BR/>Look at this comment another big fat lie by stop shouting. Another example of a person not worth two dead flies. I can't stand a liar!!!GrannyStandingforTruthhttps://www.blogger.com/profile/18393482390585845081noreply@blogger.comtag:blogger.com,1999:blog-23428832.post-48753217320358893532008-10-07T20:16:00.000-04:002008-10-07T20:16:00.000-04:00"the market is continuing to fall because the inte..."the market is continuing to fall because the international markets are VERY WORRIED THAT OBAMA MIGHT WIN.<BR/>Yes....Obama is BAD for business and is giving the international markets the jitters....."<BR/><BR/>I knew if I set back long enough, I'd catch you in a lie,but surprisely, it didn't take as long as I thought it would. You're one of those people who ate up that BS that Michelle Obama is militant, and you're more than likely a fan of FAUX news. That's what I can't stand about GOP folks, they all make up lies quicker than you can turn on a light switch. Not even worth wasting time with on a snippet of a conversation.GrannyStandingforTruthhttps://www.blogger.com/profile/18393482390585845081noreply@blogger.comtag:blogger.com,1999:blog-23428832.post-15657363877995094042008-10-07T17:55:00.000-04:002008-10-07T17:55:00.000-04:00Lady-cracker said:"What is wrong with free educati...Lady-cracker said:<BR/>"What is wrong with free education and medical care for all? It seems to me to be worthy goals. Unfortunately, no country that my limited exposure to that I currently know of has gotten it right. But that does not mean that it is something that we should not strive for."<BR/><BR/>Except that it's NOT "free". It's very, very expensive, but simple minded people latch on to the concept that it's "free".<BR/><BR/>"en. Obama is a respected member of an established political party here in the U.S.A. not an armed rebel. How do you make a comparison to Castro? Sen. Obama has advocated change through our systems, not class warfare."<BR/><BR/>Senator Obama is ALL about class warfare, gender warfare (his misogyny makes me wretch), culture warfare, and race warfare. He believes in an "interventionist" strategy ala Albright, which means MORE military intervention in places we have no business being, and MORE warfare.<BR/><BR/>AND, Obama's campaign is very much like Castro's. He clearly has studied it well.<BR/><BR/>If you like WAR then vote OBAMA.<BR/><BR/>"I quit the Republican party in the first part of 2003 when that illegal war started. I am ashamed that I did not do anything other than that; there were rallys and peace drives."<BR/><BR/>Somehow I highly doubt you were ever a Republican. Don't make me laugh. I have never been a Republican; in fact, my husband tried to warn people during the 2000 campaign that a vote for Bush/Cheney would be a vote to get us in a war in the mideast. People laughed at him, but he was very prescient.<BR/><BR/>I've had up to "here" with your claims of "peace" rallies and protests. My "interaction" with so-called peace activists has been people spitting on my car while trying to get my children to appointments at Walter Reed; keying my car; slashing my tires and smashing my mirrors while scrawling filthy, hate-filled notes on my car. Very "peaceful" and "tolerant". Hah.<BR/><BR/>"Everyone moans about the our country going "socialist." Traveling through some of the socialist countries of the world, I really wonder; I see good public transport, clean energy etcetera. Yes, their tax rates are high, but at least they are getting something for it."<BR/><BR/>Again, your ignorance is showing. There is a BIG difference between "passing through" and living under a socialist regime. Like being denied medical care, or being denied your the chance to go to university, or being told that you can only go to university if you study what you have been designated by the bureaucrats to study. To be told how much money you can make maximum per year, without regard to your initiative and effort..anything above that is clawed back.<BR/><BR/>And trying taking some of those "trains" and "clean energy" back in the smaller communities, away from the main tourist areas. <BR/><BR/>You are a fool.<BR/><BR/>I am leaving for the UK tomorrow and just got off the phone with a friend who is a banker there. He was the one who brought up the fact that the market is continuing to fall because the international markets are VERY WORRIED THAT OBAMA MIGHT WIN.<BR/><BR/>Yes....Obama is BAD for business and is giving the international markets the jitters.....<BR/><BR/>That's the truth. People who are looking to move their capital, don't want to move to a country that may be installing a socialist as President.Stop shouting...https://www.blogger.com/profile/18364109205720825690noreply@blogger.comtag:blogger.com,1999:blog-23428832.post-51476023635965027562008-10-07T15:47:00.000-04:002008-10-07T15:47:00.000-04:00Karen said: ..."Castro was the darling of the pres...Karen said: ..."Castro was the darling of the press and incited class warfare, promising free education and medical care for all." ... "Stop this century's Castro."<BR/><BR/>What is wrong with free education and medical care for all? It seems to me to be worthy goals. Unfortunately, no country that my limited exposure to that I currently know of has gotten it right. But that does not mean that it is something that we should not strive for. <BR/><BR/>Sen. Obama is a respected member of an established political party here in the U.S.A. not an armed rebel. How do you make a comparison to Castro? Sen. Obama has advocated change through our systems, not class warfare. Some of the Republican efforts to intimidate voters strike me as class warfare. <BR/><BR/>Eight years ago I would have said that a President and his executive could not ramrod a particular agenda through against the wishes of the rest of the country. I thought that our Constititiion had a sufficient amount of checks and balances to keep that from happening. <BR/><BR/>I quit the Republican party in the first part of 2003 when that illegal war started. I am ashamed that I did not do anything other than that; there were rallys and peace drives. <BR/><BR/>Everyone moans about the our country going "socialist." Traveling through some of the socialist countries of the world, I really wonder; I see good public transport, clean energy etcetera. Yes, their tax rates are high, but at least they are getting something for it. <BR/><BR/>I was a Republican because I believed that they were "fiscally responsible." I was told that the Democrats were the "Tax and Spend Party." It turns out that the Republicans are the "Borrow and Spend Party." The debt that has been created and the imbalance of trade payments is going to cause a? Originally I had thought inflation, now we seem to be recessing? <BR/><BR/>All of us in someway or other are a party to this plight if in no other way than over consuming the world's resources and/or our own personal resources. By the way, I have met some people who have been very forthright that they have messed up. (Probably going to lose their home.) I wish our politicians would admit their culpability too. If you cannot acknowledge a problem how can you deal with it?Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-23428832.post-25231294284170967252008-10-07T10:34:00.000-04:002008-10-07T10:34:00.000-04:00grannystandingfortruth, you wrote:""AP- After Ike,...grannystandingfortruth, you wrote:<BR/><BR/>""AP- After Ike, whites have taken to looting and buring the city of Galveston TX. It's reported that whites gangs are roaming the streets, breaking.""<BR/><BR/>I think the only place the preceding story appeared was in your head.<BR/><BR/>ALL the media reports about Galveston after Ike passed followed the pattern of the story below:<BR/><BR/>"Sep 19, 2008 <BR/> <BR/>"Galveston Quiet As Most Obey Post-Ike Curfew<BR/><BR/>"(AP) Now that a curfew runs the dark half of this hurricane-battered island's days, the residents who remain can only pass the time sipping cocktails on porches, guarding property and trying to avoid the $1,000 whack of a post-sundown violation. <BR/><BR/>So far, it seems to be working. <BR/><BR/>Galveston Police Chief Charles Wiley said Thursday that since Hurricane Ike hammered the barrier island Saturday morning, there have been 11 cases of looting, a figure he called "phenomenally low." <BR/><BR/>Eleven Cases of Looting!no_slappzhttps://www.blogger.com/profile/04207475509053402475noreply@blogger.comtag:blogger.com,1999:blog-23428832.post-83004515453996000482008-10-07T10:15:00.000-04:002008-10-07T10:15:00.000-04:00uptownsteve,Your claims about MLK high school in R...uptownsteve,<BR/><BR/>Your claims about MLK high school in Riverside appear to be phony.<BR/><BR/>However, it would not surprise me if some minor vandalism occurred at the construction site. And it would not surprise me if some racist graffitti appeared there, too.<BR/><BR/>But your claim that older people and women attacked construction workers is laughably ridiculous. <BR/><BR/>Moreover, almost half of Riverside is hispanic. A smaller precentage is white. If there were concerns over the naming of the school, the friction more likely came from hispanics who felt the school should have been named for a famous hispanic.no_slappzhttps://www.blogger.com/profile/04207475509053402475noreply@blogger.comtag:blogger.com,1999:blog-23428832.post-67731668764761715972008-10-07T09:45:00.000-04:002008-10-07T09:45:00.000-04:00White folks rioted in Riverside CA when a new scho...White folks rioted in Riverside CA when a new school which was to be named after MLK Jr was being built in a white neighborhood.<BR/><BR/>Attacked construction workers, vandalized equipment and defecated on the property.<BR/><BR/>Many were older people and women.<BR/><BR/>Amazing what excites some of yall.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-23428832.post-19388243033121746482008-10-07T06:11:00.000-04:002008-10-07T06:11:00.000-04:00How did this thread get hijacked by that idiot who...How did this thread get hijacked by that idiot who trolls so many Black blogs to spew their garbage?<BR/><BR/>DON'T FEED THE TROLLS PEOPLE.<BR/><BR/>Field it is time to ban this fool - seriously. Or is this a new name for that other idiot Constructive Annoyance or whatever their name was that likes to cause trouble?Faith at Acts of Faith Bloghttps://www.blogger.com/profile/02150553143062604249noreply@blogger.comtag:blogger.com,1999:blog-23428832.post-34816991748368285562008-10-07T01:35:00.000-04:002008-10-07T01:35:00.000-04:00My mother and father brought a home right here in ...My mother and father brought a home right here in California that is still in the family to this day. It's in good shape on a nice quiet block, and all of the neighbors, also, owned their homes as well, and like my parents passed their property on down generation after generation. All of them are completely paid for.GrannyStandingforTruthhttps://www.blogger.com/profile/18393482390585845081noreply@blogger.comtag:blogger.com,1999:blog-23428832.post-71073084624105960592008-10-07T01:23:00.000-04:002008-10-07T01:23:00.000-04:00BTW, I know a whole lot of black folks that own th...BTW, I know a whole lot of black folks that own their homes, some of them own more than one. I know some hispanics that own their own homes and have more than one. Guess what, they still living in them and haven't lost them either. There were many blacks in New Orleans that owned their homes and they were completely paid for.GrannyStandingforTruthhttps://www.blogger.com/profile/18393482390585845081noreply@blogger.comtag:blogger.com,1999:blog-23428832.post-40386400447905465562008-10-07T01:13:00.000-04:002008-10-07T01:13:00.000-04:00Oh, and just recently one that was kept on the qui...Oh, and just recently one that was kept on the quiet side. <BR/><BR/>"AP- After Ike, whites have taken to looting and buring the city of Galveston TX. It's reported that whites gangs are roaming the streets, breaking."<BR/><BR/>Nope, whites don't riot, let you tell it.<BR/><BR/>As for the mortgage thingee, I get it. The Republican want to go back to the good days when they discriminated against minorities seeking mortgage loans. Why would any minority vote for a party that is known for discrimination and racism who doesn't feel a tadbit shame or embarrassed in this day and age for their outdated hateful and sick beliefs.GrannyStandingforTruthhttps://www.blogger.com/profile/18393482390585845081noreply@blogger.comtag:blogger.com,1999:blog-23428832.post-58621814307113869652008-10-07T01:00:00.000-04:002008-10-07T01:00:00.000-04:00White folks don't riot alright, but it just so hap...White folks don't riot alright, but it just so happens that 200,000white folks rioted back in 1999 at the Woodstock concert.<BR/><BR/>"Woodstock '99 is best remembered for reports of violence, rape, fires, and an abrupt closing down of the show." <BR/><BR/>I guess the rape and violence that occurred at Woodstock was just a bunch of misguided kids having a little fun, huh?GrannyStandingforTruthhttps://www.blogger.com/profile/18393482390585845081noreply@blogger.comtag:blogger.com,1999:blog-23428832.post-39291193980760509132008-10-07T00:28:00.000-04:002008-10-07T00:28:00.000-04:00no_slappz,Since you apparent read superficially, a...no_slappz,<BR/><BR/>Since you apparent read superficially, answer the question that I stated above, but you conveniently ignored.<BR/><BR/>What racial groups defaulted in what numbers/percentages? What's your source. If and when you're ready to answer that question, come on back to the Fields and let's talk. <BR/><BR/>I'll add another one that you apparent ignored in every one of your posts. If the CRA is responsible for all of this, why did we feel the effects of the CRA thirty years later? What other factors contributed to get us here? <BR/><BR/>You do a lot to talk about the CRA but are you suggesting that it took 30 years for the CRA to really screw up the American economy? If it was so screwy, why didn't it have it's effect 25 years ago?<BR/><BR/>So answer ALL of my questions know-it-all?EzMunhttps://www.blogger.com/profile/18320655541362238729noreply@blogger.comtag:blogger.com,1999:blog-23428832.post-52299819516348032462008-10-07T00:04:00.000-04:002008-10-07T00:04:00.000-04:00kathy, you wrote:"i can kick you ass in a figurati...kathy, you wrote:<BR/><BR/>"i can kick you ass in a figurative way..."<BR/><BR/>Where's the evidence? Your arguments have been devoid of fact but long on attitude.no_slappzhttps://www.blogger.com/profile/04207475509053402475noreply@blogger.comtag:blogger.com,1999:blog-23428832.post-50372479183077691542008-10-07T00:01:00.000-04:002008-10-07T00:01:00.000-04:00jody, Based on your own definition of a riot --""R...jody, <BR/><BR/>Based on your own definition of a riot --<BR/><BR/>""Riots are a form of civil disorders characterized by disorganized groups lashing out in a sudden and intense rash of violence, vandalism or other crime. While individuals may attempt to lead or control a riot, riots are typically chaotic and exhibit herd behavior."<BR/><BR/>-- riots did not occur in the settings you listed.<BR/><BR/>Those acts of disorder were well planned and well advertized. Police were informed in advance of those confrontations. <BR/><BR/>I was amused at how handily the police in NY City defused and hobbled the attempts of would-be trouble-makers during the RNC in 2004. <BR/><BR/>Locking miscreants in holding pens on the piers for 24 hours, then later paying fines to settle legal action was a great strategy for keeping violence to an absolute minimum during the convention.<BR/><BR/>Personally, I had a great time during the convention, and I was in the front of a lot of confrontational crowds.no_slappzhttps://www.blogger.com/profile/04207475509053402475noreply@blogger.comtag:blogger.com,1999:blog-23428832.post-47934331865428916782008-10-06T23:53:00.000-04:002008-10-06T23:53:00.000-04:00no slapzi can kick you ass in a figurative way, or...no slapz<BR/>i can kick you ass in a figurative way, or are you just a wus?vanishing pointhttps://www.blogger.com/profile/00162872388532519328noreply@blogger.comtag:blogger.com,1999:blog-23428832.post-28766080581806147812008-10-06T23:51:00.000-04:002008-10-06T23:51:00.000-04:00kathy, you wrote:"are you really willing to go the...kathy, you wrote:<BR/><BR/>"are you really willing to go there, because i will kick your ass. Tomorrow sounds good to me."<BR/><BR/>The preceding -- your words -- sounds like a threat of violence to me.no_slappzhttps://www.blogger.com/profile/04207475509053402475noreply@blogger.comtag:blogger.com,1999:blog-23428832.post-68534002853539056402008-10-06T23:49:00.000-04:002008-10-06T23:49:00.000-04:00ezmun, I see you read superficially.The CRA absolu...ezmun, <BR/><BR/>I see you read superficially.<BR/><BR/>The CRA absolutely forces banks to originate unsafe loans. But the CRA does NOT force banks to keep them in their portfolios of retained mortgages. Banks sell the subprime loans to other parties.<BR/><BR/>To comply with the CRA, banks must ORIGINATE enough loans to satisfy their obligation to provide financing in low- to moderate-income census tracts. <BR/><BR/>Many of the loans are made to people with low credit scores and no downpayment money. But those loans are often originated through subprime affiliates of the banks. In many cases the mortgage subsidiaries of the banks in the neighborhood originate the loans. <BR/><BR/>But those subsidiaries are not necessarily regulated by the CRA.<BR/><BR/>Originating loans that are sold in the secondary mortgage market is profitable and carries little risk. Hence, originating subprime mortgages is a safe business.<BR/><BR/>Keeping them on the balance sheet is a different matter.<BR/><BR/>The fact that the CRA did not regulate the some of the loan originators is irrelevant. The key factor was ensuring that sufficient numbers of loans were originated in certain census tracts. It was not necessary for CRA-regulated banks (All banks are regulated by the FDIC and the FDIC requires all banks to comply with the CRA) to originate all the loans.<BR/><BR/>In any case, without the loosening of credit standards, which began with the CRA, none of the subsequent relaxations would have occurred. The biggest mistake was allowing Fannie Mae and Freddie Mac to accept low-quality loans into their portfolios. That gave subprime loans government backing.<BR/><BR/>Big mistake.<BR/><BR/>Anyway, you really need to understand the true meaning of the text you copied.no_slappzhttps://www.blogger.com/profile/04207475509053402475noreply@blogger.comtag:blogger.com,1999:blog-23428832.post-10799028193626936222008-10-06T23:26:00.000-04:002008-10-06T23:26:00.000-04:00ha ha ha i threatened violence that is so stupid, ...ha ha ha i threatened violence that is so stupid, where is the laughing gas?what an asshole.vanishing pointhttps://www.blogger.com/profile/00162872388532519328noreply@blogger.comtag:blogger.com,1999:blog-23428832.post-41774064097096345472008-10-06T23:04:00.000-04:002008-10-06T23:04:00.000-04:00no_slappz.... your earlier comment was show me whe...no_slappz.... your earlier comment was show me where whites have rioted... I just pointed to 6 in the past 10 years..... fatalities is NOT the definition of a riot: <BR/>Wikapedia<BR/>"Riots are a form of civil disorders characterized by disorganized groups lashing out in a sudden and intense rash of violence, vandalism or other crime. While individuals may attempt to lead or control a riot, riots are typically chaotic and exhibit herd behavior.<BR/><BR/>Riots often occur in reaction to a perceived grievance or out of dissent. Historically, riots have occurred due to poor working or living conditions, government oppression, taxation or conscription, conflicts between races or religions (see race riot and pogrom), the outcome of a sporting event or frustration with legal channels through which to air grievances.<BR/><BR/>Riots typically involve vandalism and the destruction of private and public property. The specific property to be targeted varies depending on the cause of the riot and the inclinations of those involved. Targets can include shops, cars, restaurants, state-owned institutions, and religious buildings.<BR/><BR/>Some rioters have become quite sophisticated at understanding and withstanding the tactics used by police in such situations. Manuals for successful rioting are available on the internet. These manuals also encourage rioters to get the press involved, as there is more safety with the cameras rolling. There is also more attention. Citizens with video cameras may also have an effect on both rioters and police.<BR/><BR/>Weapons found in Riots: CS gas, Plastic bullet, Rubber bullet, Molotov cocktail"<BR/><BR/>All of my examples fit this description. I am just challenging your premise that riots involving whites do not happen..... Given the description above about riots often relating to conditions where an injustice has occurred... should you be surprised that people of color have rioted? Your original premise was and is racist, period.Jodyhttps://www.blogger.com/profile/16839570356340157924noreply@blogger.comtag:blogger.com,1999:blog-23428832.post-74988876887810473962008-10-06T22:55:00.000-04:002008-10-06T22:55:00.000-04:00kathy,Well, it didn't take you long to threaten vi...kathy,<BR/><BR/>Well, it didn't take you long to threaten violence. You said:<BR/><BR/>"are you really willing to go there, because i will kick your ass. Tomorrow sounds good to me."no_slappzhttps://www.blogger.com/profile/04207475509053402475noreply@blogger.com