Black Middle Class: The Problem with Black Business Districts

No Help From the Outside

The very biggest problem, and one that is consistent, since Black man met white man, is that the white man insinuates himself into our affairs.

We as Black people have to understand and internalize that we are grown adults. We do not need anyone’s help. We don’t need white money. We don’t need white planning. We don’t need white expertise. We don’t need white advice. We don’t need white caring. We don’t need white outreach. We don’t need white set asides. We don’t need white intervention. We don’t need white coalition. We don’t need white professionals. We don’t need white financiers. We don’t need white economists. We don’t need anyone white.

Now, that goes DOUBLE for all other ethnic groups. Every god damned time Black people even hint at forming something, here come white people saying: no make it “minority” and include mexicans and asians. Yet, there is no Mexican “minority” district, nor asian “minority” district. We’re always told to include everyone else under our umbrella.

Black Middle Class:The Problem with Black Business Movements

The Black Empowerment Project raised a very valid question, one that has yet to be responded to, nor answered by any of the Black economic movements. That question is how do we achieve Black economic independence? Now, the question suggests the answer. The answer is, by build Black economic intradependence and independence. But, all the Black economic movements completely fail to even formulate a plan to encourage Black economic independence.

Now, Dr. Claud Anderson, in his powernomics movement, had a very sensible idea, but it shared the same limitation as the Marcus Garvey movement, it had a singular focus in one product, albeit a very good one. Dr. Anderson wanted a vertical monopoly: fisheries, transportation, restaurants. Garvey wanted ships for transport and cargo.

Black Middle-Class: You Talk White?

Wash ashore any African country and the citizens of that country will speak at least 5 different languages. Yet, in the U.S. Black lower-class think it is the height of cool to murder English, and insult any Black person that speaks real English. In fact, they will attempt to insult the Black person by saying, “you talk white.”

Let us explain something to the lower-class Blacks. You are not the epitome of what is Black. In fact, you are on the fringe of the fringe of what it is to be Black. nearly 85% of Blacks speak perfect English. Yet, Hollywood and the liberal media portrays only the lowest of the low-class Blacks as being the example of what it is to be Black. In fact, they raise the dregs of the Black community to stardom and wealth and then present them as examples of Blackdom, people like Jay-Z or other ill-conceived beings.

Someone like a Jay-Z is an embarrassment to the Black community. They are the people that are good for nothing more than to be laughed at. But, in this day and age of rampant consumerism, they couple uneducated and ignorant Black stars with entertainment. Consume one and you must consumer the other. Buy his music and you have to also buy that Black people can barely speak English.

The Catch 22 of Women Working Outside the Home

So my landlord shared with me a bit about herself. She’s divorced. This is the big manager of several properties. She said she just grew apart. Her work became more important than her marriage. She said she is really happy with her work.

The entire time she was talking about her marriage and work, I got a feeling of tremendous sadness. So, regardless of what she was saying, the reality of what was coming off of her, like a giant tidal wave of emotion, was that she was not happy.

I think women today are in a catch 22. They don’t trust that the person they marry will be there, because the news and movies tell them that men will divorce you, although all proof points to women, being the overwhelming  majority of filers for divorce. So they throw themselves into their work, to FALL BACK ON. Then, this becomes a self fulfilling prophecy. You’re afraid of being left alone without money. So you work, so you don’t end up broke. And, the work causes your marriage to fall apart.

African American Manifesto: My Black Agenda for Mellenium 2000

African American Manifesto: My Black Agenda for Millennium 2000

[I am touched that you wrote me. I have been planning to start a Black business bureau for some time now. I have not written out the plan, but this seems as good a time as any. This letter will not only go to you, but I am now, because you inspired me, will be sending this out to every Black church, Black politician, Black organization in the entire country. I can dedicate a few thousand to this letter and campaign. I am also an online marketing genius and will be doing a major press release of this letter as well. Thank you for inspiring me. Here’s my response to you.]

When African slaves were sold or stolen from Africa, they were first sent to an island just off the coast of west Africa. On this island, they were mind-wiped and the men were brainwashed against the women. For, 95% of Africans were sent to central and south America. In central and south America Africans could hope to live the ripe old age of 23. However, they actually were treated quite a bit better, since they learned skills. However, because their death rate was so high, they never grew in population.

Well, what about that 5% that was sent to America? Because the US had a constitution that said “all men are created equal”, Americans went overboard to make sure Africans were never seen as humans. They went through TWO different mind-wiping sessions. One off the coast of Louisiana, and a 3rd at the auction blocks. However,they were treated with kid gloves, compared to south America. However, they were kept as dumb as rocks. They learned absolutely nothing and it was forbidden to teach them anything, by law. Americans were deathly afraid they would revolt, which actually happened several time, but was kept to just that city. One town was completely slaughtered by Africans. There is even a famous painting about it, however this is not taught in public education.

When slavery was abolished in the US, Africans had been able to live to a much higher age than in south America and grew to be 30% of the population. However, these Africans had been mind-wiped 3 separate times, stripped of religion, origin, family, and culture. Upon their release they knew nothing, literally nothing.

Africans had to teach themselves how to read and write, make a family, farm for themselves, etc. Two things they could not teach themselves: their religion; their cultural origins. Even with these horrible odds, Africans became 80% literate in 50 years, something unheard of in human history.

While there were Africans that flourished in the new free era, most barely got by. A lot were slaughtered by racist white people who saw African freedmen as an economic threat to their livelihood. Many new laws were passed to keep tools out of the Africans hands; minimum wage laws were passed to keep people from hiring Africans; and anything produced by Africans was not allowed to come to market. Many African farmers went under from not being able to sell their produce.

The answer is not a question of just pouring money into the modern African American community. It requires a COMPLETE overhaul.

• – branding: African Americans need to be branded as a viable and independent political group with our own identity, culture, religion and origin from Africa
• – BRANDING: we need to produce new art, media, entertainment that if Pan-African, African centered and African inspired, with Africans as the only people in such media [THIS IS MORE IMPORTANT THAN ALL OTHER POINTS]
• – we need to denounce any and all other groups that try to co-op our history, culture and art, who systematically claim it as their own and as their origination [like the Egyptian story; jewish story; our music; our culture]
• – as a political group we need to acquire and send lobbyist to every state legislature and the federal congress, to lobby for African political and economic gains [NOT CIVIL RIGHTS]; we need things like the war on drugs stopped, which was intended and used as a racial profiling thing to send Africans into the prison system, to the tune of 75% of all Africans in prison today are there based on drug charges, to the tune of a $75 BILLION a year price tag; we need to remove all racist legislation; we need to understand, read and hold politicians responsible to the constitution, which is our best and only way to eradicate racist legislation; we need to remove Africans off of all social welfare legislation, this has destroyed the African family
• – as an independent political group we need to divorce ourselves from the Democrat party; if we are serious about our independence we need to have the capability to vote as a group; voting for the Democrat party has made the Democrats take our votes and voice for granted
• – we need to control African finance and African money; we need to open and gather in every city African run, operated and owned credit unions; we need to aggressively educate and finance African business; we need to arrest and stop any 3rd parties that are financing and control African business
• – we need to control all African disposable income and spending; we need to arrest and stop any 3rd parties that are selling commodities in our communites and to Africans in America
• – we need to control all African necessary expenditures, this includes food, energy and real property; we need to arrest and stop any 3rd party that controls necessities Africans have to pay for
• – we need to go into our communities, move back in, fix them up, and open up all forms of business that Africans need and use on a daily, weekly, monthly and yearly basis; we need to target and pick locations that have high concentrations of Africans already in them and do our best to move out 3rd parties; we need to open up convenience stores, credit unions, grocers, transportation and everything else needed, in each community so that Africans do not need to go outside of the community to spend money.
• – we need to start regional stock markets that trade in African produce, commodities, and equities in African firms; this will get African farmers to produce and transport their produce to African stores as one big giant economic circle
• – we need to connect these regional stock markets with stock markets in the motherland, which are now booming and coming online; 2 new major stock markets have come online recently in Africa and they need more business
• – we need to understand that marriage is the most stabilizing social factor in our modern time, and we need to encourage our community to get married at every opportunity; marriage also is very strategic and economically good for both people; we need to launch a national campaign to encourage Africans to marry each other; we need to put African marriage in front of our people, through pictures, art, music, entertainment and as a sound business strategy [since it is more economic to be married]
• – we need to purchase and take private, all historically Black Colleges; we need to control all African education; we need to arrest and stop 3rd parties from mis-educating our African youth, young adults and young professionals; this is exactly what all other groups do; we need to open and start vocational and skill based education for high school and young African adults; we need to access and encourage our youth to understand what they are good at, what they desire and to realize that college is not the answer for nearly 60% of the population; we need to educate our youth that colleges are a business and that they are putting out propaganda that you “should” go to college, in order to rake in money, at the young African’s expense, which they’ll be paying for, for decades; we need to encourage our young African to develop skills, such as automotive, electrical, plumbing etc, for blue collar paychecks, instead of minimum wage

If we are to survive this next century, we need to take some serious stock of what we are doing. We need to realize that, unless we get organized and think of ourselves as a group, we will be treated as chattel, misused, miseducated, and state dependent victims to a socialist state, with our wealth stolen year after year.

As it stands now, Africans in America cannot do anything to protect, save or help our countries in the motherland. Our people are being raped, murdered and wealth stolen by nearly every western power on the planet, and now Asia is getting in on the taking. We need to clean our house and get it in order.

Obama Silent on 28% Black Unemployment Rate

Obama Meets Congressional Black Caucus on the Eve of Campaigning

When confronted, by reporters, about Obama’s complete silence about the 28% Black unemployment rate, the leader of the Congressional Black Caucus began to stammer and stutter, during a public address. 
Rep. Emanuel Cleaver (D-Mo.) told The Huffington Post that CBC Members expressed “the frustration of our constituents” over high unemployment to Obama during a Thursday meeting at the White House. The Labor Department puts unemployment at 16.1 percent in the black community, but Cleaver said the number is more like 28 percent when factoring in “99ers,” or people who have exhausted all of their regular and extended unemployment benefits.

Obama Meets with Congressional Black Caucus

“All you’ve got to do is come into any black area and you can see that,” he said.
In the lead-up to the meeting with Obama, the CBC used its Facebook page to ask supporters which priorities lawmakers should bring up with the president. The response was “unbelievable,” Cleaver said. “I’d say 97 percent said to ask about jobs.”

As a holder of a political science degree, it is amazing to me how the Black community defends their unwavering support of Obama, in the face of obvious disdain.  Obama has said, during his campaign that he would not entertain any ANY Black issues.  Obama during his presidency has said he will NOT entertain ANY Black issues.  All other political groups have garnered, not only, favors from Obama for their votes, but after handing over funds and votes, received exactly what they demanded of him. 

The Black community sent no lobbyist to the Obama campaign and yet AND STILL turned out a voting block never before seen in the Black community.  And, they got exactly what they asked for, NOTHING.

The CBC is completely emasculated on every Black issue, when it comes to Obama.  28% staggering unemployment in the Black community and Obama will say nothing about it.  One reporter from New York, stood up during a white house speech and asked what he plans to do about a 50% unemployment rate in Black men in New York.  Obama refused to even acknowledge the Black community even had a problem.

At what point does the Black community wake up and stop pandering to someone that has absolutely no qualms about telling us to go away and don’t ask questions.

At what point does the Black community realize that Obama is NOT a Black president, when he makes it clear and to the point that he will NOT help the Black community.

It is outrageous that the nearly 2nd largest voting block in the nation is completely ignored by the “Black” president and BOTH political parties who are in control.

I am disgusted with this complete lack of awareness.

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The Marginalization of the Black Community

Blacks Don’t Know How Powerful They Are

The Black community controls 10% of the buying power in America yet bottoms out the lowest income bracket.^cite   Until Blacks actual pool their resources and consciously agregate their buying power and political muscle, they will accomplish nothing given the current trend in marginalizing the Black community.  The national and local media constantly bombards the Black community with negative images of itself.^cite   National entertainment outlets also applauds the worst in the Black community, leaving the younger generation to aspire to nothing more than rappers with known criminal backgrounds; athletes with questionable ethics and morals; or Black individuals with a complete lack of intellect or financial education.^cite   Blacks are portrayed as dumb, going nowhere and fit only to be killed in movies.^cite   Until we Blacks make our own movies and t.v. shows dealing with REAL Black issues that we define, we will constantly be marginalized in the media.

The Damage to the Younger Generation

If you repeat a lie long enough, people will tend to believe it as fact.  The Black community is constantly bombarded with images of Black males as being the originators of crime.  Time and again, study after study has shown that Blacks are no more criminal than any other race.^cite   However, Blacks are 90% more likely to be portrayed in the media as being criminals and / or being arrested for crimes, regardless of their guilt or innocence.^cite   The general population, being law abiding citizens, then think that those portrayed in the media as being primary suspects in a criminal case, deserve nothing less than jail or some form of punishment.  It stands to reason that since they are the chief suspects that they deserve to be suspected.  However, while the media portrays Blacks as being the normal criminal suspect of police, they never retract any of their stories, should the person be proven to be innocent.^cite   This constant barrage of Black suspects then, ingrains itself into the brain of those who watch it and people then come to expect Blacks to always be the primary suspects in criminal cases.  After some time, this becomes a self fulfilling prophecy.

Young Blacks are bombarded with images of Blacks being criminals.  The next step is to cast Black artists in the images of criminals and have them praise their own fake criminal backgrounds.^cite   As sure as the day is long, this recipe comes to fruition and idiot Black youth start acting out the very images they see in video and in movies.

Years ago when the mafia movies first started coming out, there was a minor group that protested the movies, saying that they glorified violence, and the criminal element.^cite   They were against white Italians being portrayed as criminals and the movies glorifying crime.^cite   Hollywood of course never listened.  So to the various groups chagrin, Italians were permanently cast as being mafioso.  However, the vehement fight the groups put up left an indelible impression on me, that we should always fight when the national media and entertainment outlets seeks to define an entire race or country of origin of a group of people.

In a country where young Black kids are constantly bombarded with images of Black men being IN prison or an idiot rapper glorifying his criminal past, it is no wonder that Black youth first seek to resort to a criminal option to a situation.  In fact, it is now considered a part of a Black manly identity if you dress, act and think like a prison inmate.^cite   The Black male group thinks it weak if you do not disrespect women.  The Black male group thinks it weak if you don’t act like a “thug”.  In fact the word “thug” has completely been usurped by the Black male group.  Instead it being a male criminal, normally of Italian origin, it has been recast to mean a Black male individual.  Also being a “thug” is now seen as being both cool and sexy.

The Destruction from Without

From the highest office in the land, Blacks are now the prime target for incarceration. ^cite According to research, president Nixon conducted a national study and then changed the results to reflect that Blacks were the originators of all of the unrest in the country. Knowing full well that the entire country was against his Vietnam war, he nevertheless targeted Blacks as the chief source of unrest.^cite He then started his “war on drugs” with the primary target being Blacks.^cite 90% of all Blacks in prison right now are there due to some form of a drug charge.^cite Meanwhile drugs were being introduced into the Black community from a mysterious outside source. Before the 60s there was no drug presence to speak of in the Black communities across the land.^cite But, after this time drugs in the Black community became rampant and readily available. For a community that was generally isolated, having rare, imported drugs being spread wide and readily available is suspect all by itself.  No Black leader has ever raised the issue of where any of these drugs have come from, nor has any media outlet ever let on that drugs were not a “Black thing” before.  For all intents and purposes, Black history month goes more along the lines of Black fantasy month, because they never show how financially sound, well adjusted and progressive the Black community was before civil rights.  Study after study has shown that the income gap, the educational gap and the buying power was aggressively decreasing before desegregation, while now it is widening at an alarming rate.^cite  No Black leader wants to admit that desegregation and civil rights destroyed the Black community, not build it up.^cite

The Financial Miseducation of Blacks

Wells Fargo has been the current love child of predatory lending and wiping out Black wealth.  While calling a house an asset is a misnomer, 90% of all Black wealth is derived from their family house.  In other words, of all the assets you can use to judge a Black families financial worth, their house is usually the only “asset” a Black family has.  That being said, if you were to concoct a scheme to swindle a Black family out of their house, you could wipe out nearly all Black wealth in the nation.  Wells Fargo is under investigation for just that very thing.^cite  They systematically targeted Blacks, based on the fact that Blacks are completely financially ignorant, for predatory lending.^cite

What is predatory lending?  Unscrupulous actions carried out by a lender to entice, induce and/or assist a borrower in taking a mortgage that carries high fees, a high interest rate, strips the borrower of equity, or places the borrower in a lower credit rated loan to the benefit of the lender. As with most things of a dishonest nature, new and different predatory lending schemes frequently arise.^cite

The easiest way to completely avoid predatory lending is to SHOP AROUND.  Remember that song?  Even the most financially ignorant person can hedge their bets that they will not be “taken” if they simply shop around.  Normally the loan scam starts by either, the bank coming to the doorstep of the person, or if they’re buying a house, the realtor suggesting the bank. The buyer then signs the loan with that bank without ever looking at another bank or lender for better terms.  It would completely disrupt the scam if the buyer simply went to at least 5 other banks, credit unions, or lenders to compare terms.  However, no Black leader or Black organization, *cough*NAACP*cough*, ever brings a law suit on behalf of a Black community that has been the target of predatory lending.^cite   Right off the top of my head, Memphis has born the brunt of Wells Fargo’s predatory lending campaign.^cite   It took city leaders to bring a lawsuit against them.  Seems Jesse and friends have been completely silent on the issue.  And, why would I say Blacks were the target?  Because, employees of the company have signed affidavits attesting to the fact that supervisors in the bank specifically said to target Blacks because they are not financially savvy.  They had Blacks sign mortgages with 29% interest when they qualified for 5% interest.^cite   They had Blacks strip themselves of all the equity in their home, saying it was a lower interest loan to consolidate ALL of their debt, when in fact it was an interest only with a balloon payment mortgage, or adjustable-rate mortgage.^cite 

Stop Predatory Lending: A Guide for Legal Advocates

What is an ARM?  An adjustable-rate mortgage is a type of mortgage in which the interest rate paid on the outstanding balance varies according to a specific benchmark. The initial interest rate is normally fixed for a period of time after which it is reset periodically, often every month. The interest rate paid by the borrower will be based on a benchmark plus an additional spread, called an ARM margin.  For example a 2/28 arm loan would have you pay a very low interest rate for 2 years, however for the next 28 years that interest rate would keep adjusting up and up, even monthly.^cite

Black communities like Memphis, were wiped out by predatory lending and the sub-prime mortgage crash.  The Black wealth was completely robbed.  Where white wealth was not wiped out, the biggest losers have been the Black community, across all racial boards.

What Has to Happen

First and foremost, we as a community have to acknowledge what has happened.  Until we can come to terms with the factors that are leading to our downfall, we cannot hope to progress.

• Blacks are constantly the butt of crime
• Blacks are portrayed as criminals
• Black entertainers glorify crime
• Black males glorify being a criminal
• Blacks are portrayed in movies as being criminals
• Blacks are portrayed in movies as being unintelligent
• Blacks are never portrayed as a bad guy with tremendous intellect, i.e. a nemesis or arch-enemy
• the Black community before desegregation was on tract to close the income gap between Blacks and whites
• Blacks are the chief target of predatory lending
• Blacks are never educated financially
• Blacks have suffured the most in the sub-prime crash
• due to complete financial ignorance, Blacks signed sub-prime loans when they qualified for low interest prime loans
• the current economic crash wiped out nearly 50% of Black wealth in the entire nation
• due to a general lack of Black owned and operated businesses, Black unemployment is triple the national average, in some sectors it is nearly 50%
• due to a general lack of Black reinvestment into the community there are less and less Black businesses

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