How Systemic Racism and Implicit Bias Affects African Americans

They've addressed these topics in many movies in the 90s such as Boyz N the Hood
Where Morris Chesnut's character get's in USC cause he made the SAT score, but tragically went down because his brother Ice Cube was not involved in gangs.
Cuba Gooding Jr's character made the right decision because of a strong parent Laurence Fishbourne

He chose the red pill and saw reality

 

Tupac attended the Baltimore School for the Arts which was a hard school to get in.
Jada Pinket also was a student there.

They both made it, because of their intelligence and talent.

The system didn't fail or victimize Tupac, that was Suge Knight and Death Row Records
@Os Trigonum @JumpMan

 

No. Just like you don't need Air Jordans to protect your feet, you don't need the best resources and programs to learn to read and write and learn your multiplication fact tables. We are talking about students lacking the basics here not their ability to analyze Shakespeare or do trigonometry or get into Rice.

I attended only poor schools and taught at poor and wealthy schools. The main difference between the two is the students. The students make the school what it is; they make the educational experience what it is.

 

It's about talent and engagement.
Tupac's mom was on crack and but his talent and engagement got him in the Baltimore School of the Arts
and then he made it big in music and movies

he chose the wrong employer, but we all do at some point

 

Exactly. In my raggedy intermediate, a ceiling tile fell and almost hit a kid during a standardized test. Around 80% of my freshman class of 1,200 disappeared by graduation. Still, a few students went on to those fancy schools like the examples you have highlighted here. They had intelligence and talent and all the intangibles people argue about.

 

Kids now have it so easy, we had to use that dumb scantron crap.

Now everyone make excuses for failure and lack of improvement.

Dream got drafted 1 and was raw, you don't expect him to have guard like handles and 200 moves.
He worked on it, he can even drop 3s if he wanted to. No secret was work.

Today we have all these Ben Simmons making excuses for everything except themselves.
@Os Trigonum

 

Michael Jackson and his brothers and sisters were dirt poor and lived in a tiny house in Gary Indiana.
That's way worse than these basement of the Katy house that these Art History dropouts live in.

His parents raised them the right way and they became legends.

Here Michael coming back to his old high school

 

Huh? I'm talking about public schools, which most certainly have lessons in Shakespeare and trigonometry, and prepare students to get into college.

 

I know. What I meant to demonstrate is that the resources and programs do not need to be equal across all schools for there to be a significant improvement in the performance of students in lower-funded schools. To the point that we don't even have to call them poor schools because they are funded well enough for everyone to have the opportunity to learn to read, write, and do basic math all the way to learning to analyze Shakespeare, do trigonometry, and go through some college prep. The problem is that most students in those schools are failing to learn the basics which makes the discussion about unequal funding misguided. That's not why they aren't learning the basics.

 

Why aren't they learning the basics?

 

In a few words, students don't have the support at home that is necessary to be successful in school. Teachers can't make them value their education, respect authority, be responsible for their learning, and appreciate the opportunities that they have in school.

 

I like to assume the majority of people here went to school, but now maybe not

like when you were in school, you knew the kids who studied hard, who didn't study, the ones who just smoke and not care, the ones who cared more about football etc

they all got parents and the parents reflect almost the same care and level of interest as their kids

 

Kids bring their home life to school with them in one way or another.

 

The system is parenthood

 

I attended a suburban white middle class school but spent a lot of time volunteering at poor inner city schools - and those places were zoos. I don't understand how anyone could learn anything.

 

yeah, broken homes are one part of the problem - but how do you fix that? What's the solution to broken homes?

 

"Millions of Americans Refinanced Last Year—but Fewer Black and Latino Homeowners Did":

https://www.wsj.com/articles/millio...o-homeowners-did-11624440601?mod=hp_lead_pos5

Millions of Americans Refinanced Last Year—but Fewer Black and Latino Homeowners Did
Financial, historical factors likely steered some minority borrowers away from refinancing, researchers say

By J.J. McGorvey and Julia Carpenter
June 23, 2021 5:30 am ET

Refinancings were popular in 2020, but not every household caught the wave.

From January to October of last year, only 6% of Black borrowers refinanced their mortgages, versus 12% of white borrowers. The findings appear in a new report by economists at the Federal Reserve Banks of Atlanta, Philadelphia and Boston.

Researchers matched borrower data from Fannie Mae, Freddie Mac and FHA loans with data from firms that track mortgage performance, including Equifax and mortgage-data firm Black Knight Inc. BKI 1.31% The report found that 14% of Asian borrowers refinanced, while borrowers who identified as Latino clocked in at 9%.

Of an estimated $5.3 billion of savings for all households that refinanced during the 10-month period examined in the Fed report, only $198 million, or 3.7%, went to Black households. Borrowers who refinance generally pay a fee in order to lock in lower interest rates and reduce the total cost of their loan.

Historically low rates combined with people spending more time at home led millions to renegotiate the terms of their mortgages, resulting in eight million refinances over the course of 2020, according to data from Freddie Mac.

The savings from refinancing can be significant. Freddie Mac estimates doing so could save nearly half of Black and Latino households around $1,200 a year.

While borrowers with variable mortgages may benefit when central banks cut interest rates, America’s most common home loan is the 30-year fixed mortgage, which requires going through the refinancing process to take advantage of lower rates.

“It brings up an issue: When rates go down, who does it help?” said Sam Khater, vice president and chief economist of the economic housing and research division at Freddie Mac. “The Fed is in this era of monetary policy accommodation, but I would argue it benefits people who are already more well-off.”

Both practical and historical factors are likely holding Black and Latino households back from taking advantage of refinancing, according to Fed researchers.

For one, the closing costs associated with refinancing average about $5,000, according to Freddie Mac estimates. And because homeowners with less cash or wealth on hand roll additional costs—such as title insurance and origination fees—into their new mortgages, that debt can erode the benefit of the refinancing as it compounds, according to Lauren Lambie-Hanson, an adviser and research fellow at the Philadelphia Federal Reserve who worked on the report.

The pandemic’s economic fallout, which had a disproportionate effect on the employment and finances of Black and Latino households, has further complicated decision-making around making changes to their loans.

“We know that in the pandemic, unemployment both spiked most for minority borrowers and it recovered more slowly,” making those groups more likely to go into mortgage forbearance, said Ms. Lambie-Hanson. She and her research team found that among borrowers who were current on their mortgages as of February 2020, 15.6% of Black borrowers missed at least one payment by February 2021, compared with 6.5% of white borrowers. Borrowers who enter forbearance are ineligible for mortgage refinancing.

“So there are these frictions that are a lot easier to navigate if you have a lot of cash,” said Ms. Lambie-Hanson.

The legacy of discrimination against minorities in the financial system, including a history of practices including redlining—denying or limiting financial services based on race—can discourage them from calling their lenders to ask about refinancing options or push for better rates.

Many minority families have developed a wariness of the country’s housing and banking infrastructure. That often results in a hesitancy to apply for programs that might benefit homeowners whose mortgages were hard-fought, said Benjamin Keys, associate professor of real estate and finance at the Wharton School of the University of Pennsylvania.

“For a lot of people, they may have struggled to qualify for their first mortgage and they may be able to make those payments, and so they think well, I don’t want to go through the ordeal of qualifying for a mortgage again,” said Mr. Keys. “I don’t want to have to have my credit record pulled again and scrutinized. I don’t want to have to have someone come by the house again and have it appraised.”

Earlier this month, to commemorate the 100-year anniversary of the 1921 Tulsa Race Massacre, the Biden administration announced new programs to address housing inequities, including an interagency effort to combat discrimination in the home appraisal process. The administration cited research from the Brookings Institution that found that Black-owned homes were undervalued by $48,000 on average, resulting in a cumulative loss of $156 billion.

“When you’re talking about refinancing, let’s be clear that home values, particularly in Black neighborhoods, don’t increase in the manner in which they should,” said Andre Perry, senior fellow at the Brookings Institution and author of “Know Your Price: Valuing Black Lives and Property in America’s Black Cities,” who co-wrote the report.

“It’s really discouraging when people try to refinance and they learn that their home values are lower than what they should be,” Mr. Perry said.​

​

 

We have to make it a priority. We talk about racism so much people we don't see other problems.

 

But even racism is part of what goes on in the home. The cycle of poverty for much of the black community is due to past racism.

Look, I get it man, you think that people want to slap the label of racism onto everything so they can blame others and escape doing anything about it. I get that. And I am not saying slap that label, but you have acknowledge and understand where the problem began to break it. Racism isn't just about discrimination, it's affects mentality. It breaks people.

You can't fix broken home. There is no role for gov't to play in that. You can't tell parents that they don't know how to raise their own kids. That they need to put more effort into it. The parenting is already broken - if not because of drugs or whatnot, but because the parents have to work so much to support the household that they aren't there to guide a child.

What you need to break this is to provide mentorship to these kids they are not getting at home. The parents are failing, and the teachers are overwhelmed and not trained to do it. But the power of mentorship is well proven and can change the trajectory of a child's life. We need a national program to mentor disadvantaged kids to help them believe in themselves and work to overcome the challenges in their lives. That's the solution.

 

partly playing devil's advocate here, but not everyone agrees with the bolded. Not sure I agree or disagree with the following, but serious people have made parental licensing -type arguments over the years, suggesting that some people believe that government might have a role in "fixing" broken homes.

https://www.psychologytoday.com/us/blog/ethics-everyone/202012/licensing-parents