Black Middle Class: The Problem with Black Business Districts

Black Middle Class: The Problem with Black Business Districts

No Help From the Outside

black business conferenceThe 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.

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Black Middle Class:The Problem with Black Business Movements

Black Middle Class:The Problem with Black Business Movements

Black panel discussionThe 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.

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African American Manifesto: My Black Agenda for Mellenium 2000

African American Manifesto: My Black Agenda for Millennium 2000

African Slaves[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
  • black married couple and kids– 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.

Proof That the Black Civil Rights Movement was Derailed

Proof That the Black Civil Rights Movement was Derailed

I have said, time and time again, that the Black civil rights movement was completely and utterly a failure. The entire movement was a complete disservice to Black folk and failed us miserably. There are those that will hold up the attitude of the country of NOW accepting Black people as evidence that it was successful.  The only thing that proves is that Black people are completely ignorant of the history of the country.

James Baldwin

Most of the United States of America was not racist white people. The Democratic party has tirelessly striven to make us believe that it was, but the truth is, being racist was always unpopular. Just as many white people helped to free Black slaves as did Blacks themselves. Many laws were passed in other states to forbid the recapture of Black slaves as were passed to ensure the capture of Black slaves.

The civil rights movement succeeded in doing exactly what white racist Democrats of the south wanted it to do, ensure the economic destruction of Blacks and destroy Black families.

During slavery it was easy to destroy a Black family. As soon as a Black child was born he / she was moved to a completely different plantation and raised by someone else. Or, as soon as they were of age, they were sold off. Or, as soon as they exhibited any affection towards another Black slave, they were sold off or worse, just beaten, sometimes to death.

After slavery was over the Democrats devised a system where they would give only Black women and children help and money, but only if the father would remove himself from the female. This continues today. In fact more money is given to a poor female who has more kids, ensuring that the father(s) can never be around.

The Democrats then took over the educational system and started rewriting history and events that were squarely reported in the news. It is so egregious that textbooks now have events as being the opposite of what they were.

The Democrats also painted the republicans as being against Black people. For the rank and file american citizen who is a republican they have no power to argue against it, or to say that the republicans were the main ones in the Black corner. But, at a national level it doesn’t even matter, because federal level Republicans are no longer Republicans at all, but are globalist federalists.

The last straw was that Black people worship Kennedy and his brother Robert, when the two men almost singlehandedly derailed the entire Black civil rights movement.

After they were through, the Black community and wealth dropped 90%.  It has taken nearly 60 years for the Black community to claw itself out of that hole to be even with the wealth of the 60s, only to be derailed again by the Democrats and now federal Republicans in the crash of 2008.

Here is the proof, from James Baldwin himself.

He clearly states that the civil rights movement started out as an economic movement to make Blacks equal and the Kennedys singlehandedly derailed the movement and turned it into a voter registration and voting rights issue, all the while making political moves to change Blacks from voting Republican [which nearly all Black people did, who had a choice, yes they were forced to vote Democrat in most of the south by the KKK] to voting Democrat.

The Kennedys were not our friends and the civil rights movement did not serve us well at all, it hurt us more than anything else in the history of this country. The magnitude of it caught all Blacks. Where slavery only affected Blacks in the south, post-civil-rights affected all Blacks in the country and was the largest trasnfer of wealth from Blacks to white, in the history of the country.  Where slavery was a transfer of wealth from Blacks to white in the south, post-civil-rights affected all Blacks in the nation and effectively transferred wealth from Blacks to white regardless of location.

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For Blacks: Are You Living Above Your Means?

Is There More Bill Than Paycheck?

More Bill Than Paycheck

All jokes aside, if the answer is yes, without you even looking at your checkbook, then you need to get out of the house you’re in and move back with your family.  And, I am not kidding.  Black folks pay the highest in the country, for basic housing than any other racial group.*  While everyone else likes to talk about stupid stuff, the numbers do not lie.  In my Black Financial New Years Resolution I discussed a plan to save money and buy rental property for yourself and your family, to generate cash flow.

America has just had a tremendous wake-up call.  The call said, “hello you’re living above your means, it’s time to pay up.”  And pay up everyone has.  Even the people that could afford their houses have suffered, in being upside down in their house.  They are only staying in them out of hopes that their property will go back up.  The bottom line is, we all fell for a pipe dream from a snake-oil salesman.

To keep this short, calculate this:   

  • Maximum housing expense ratio = annual salary x 0.28 / 12 (months)
  • Maximum allowable debt-to-income ratio = annual salary x 0.36 / 12 (months)
  1. are all your living expenses below 28% of your monthly salary?
  2. are you saving at least 30% of your salary, or investing it in something monthly?
  3. do you have around 30% of disposable income, from which you buy food and clothing?

If those numbers do not add up then you’re living above your means.  If at least number 1 isn’t true, then you are definitely living above your means.

Fix it.  You need to fix #1 immediately.  If you are renting, get out of it ASAP.  If you have to pay for an early termination of a contract and it won’t be the same as paying all of the months of the contract, then get out of the contract.  Either move somewhere where the housing is only 20% of your income, or move back home.  You need to put aside this notion that going into debt to live alone means you’re somehow an adult.  This “I got mine, you get yours” attitude is why we’re in this mess to begin with.

In this financial crisis, more Black wealth has been completely gutted and stolen by banks than in any other time in history.  While white people hear the news and think white people are suffering, whole sections of the Black population has been ousted, foreclosed on and assets seized.  In Memphis alone the Black part of town is now a ghost town due to foreclosures.  Predatory lending to Black folks was turned into an art form.

Before Black people buy a house, they should get a Black lawyer and go over the proposed loans with them.  If you want my personal opinion, you should pay cash for your house and try and squeeze every discount you can out of the property before buying it.  Never get emotionally attached to property.  More wealth has been squandered due to emotional outbursts and attachments to a piece of land than any other factor.  Once someone figures out that you care for a piece of land, they tend to rake you over the coals.  Trust me, there is nothing special about one section of land, more than another section of land, especially if we are talking that it will ruin you financially.

If You Are Living Above Your Means, Fix It!

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For Blacks: I Am Unapologetic

I Am Unapologetic for Discussing Black Issues

Time and again when I mention the word Black in mixed [read white] company, I immediately get harassed and get the “why does it have to be a Black issue”.  What’s worse is, when I bring up a Black issue in the company of a young Black man and he does the whole Sambo dance in front of me about how “color blind” he is.  For instance last night I was having a conversation with two tourists, both young Black men.  The one was discussing how he was staying at a hotel shaped like a pyramid.  I made the joking comment how all of the fixtures and decorations depicted the Africans as being white.  The Black man that made the comment went into a tirade of how it shouldn’t be a Black issue.  The two Puerto Ricans and his own friend tried to explain what I had said to him.  We all finally gave up when he continued to stand by how I had said something remotely offensive or racist, even after the Puerto Ricans pointed out that it was racist to depict Africans as being white.

I find it offensive when people attack me for mentioning Black issues.  As far as I can tell, noone is talking about Black issues.  Oh, people are talking about “latino” issues.  People are talking about women’s issues.  People are talking about Jewish issues.  Absolutely noone is talking about how the Black community is being defined by the media and being destroyed.  Noone is talking about how Black women are gracing the covers of XXL, King and SSX looking like complete prostitutes, with distended breasts and distended behinds.  Noone is talking about how although the U.S. Black buying power has risen from $318 billion in 1990, to $590 billion in 2000, to $799 billion last year, and will rise to $1.1 trillion in 2011 – a 237 percent increase in 22 years, they still have the lowest median household income of ALL races in America, even if you included Latino as a race [which it is not].  Noone is talking about that Blacks spent a larger percentage of their income on natural gas, electricity, telephone services, and footwear, and a higher proportion of their money on groceries, housing and women’s and girls’ clothing than others.  Noone is talking about that Black consumers account for almost nine cents out of every U.S. dollar spent.

I am unapologetic for discussing the complete lack of Black financial education.  Wells Fargo is under investigation as being the TOP reserve-redlining bank in the entire country.  And how were they capable of single-handedly taking down nearly all of the Black wealth in the country?  By targeting Black folks who were completely financially non-savvy.

You want to harass and complain about me discussing Black issues?  Take down Fox.  Take down Rush Limbaugh.  Take down Michael Reagan.  Take down Michael Savage.  Take down Bill O’Reilly.  Take down Pat Robertson.  Take down Glenn Beck.  Take down Ann Coulter.  I will never apologize while these … people are up and running with their hate mongering, fear mongering and divisionary revision of current history.

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