REV. WRIGHT KEYNOTES AT NAACP DINNER IN DETROIT: Controversial preacher speaks on April 27.

Rev. Wright being the keynote shows his focus and Obama's also. Why did Obama become a constitutional lawyer? Obviously to help black people, not to help the nation. That is a very limited agenda and it certainly is not a resume that excites me as to what he will do for the whole of the American culture, not just black-americans, all Americans. His rhetoric, convenient side talk and left leaning fringe speech all of a sudden changed to a populist view of things. Will the two-faced Obama please show his real colors? NO, he can't as the man clearly doesn't stand for anything, and it is absurd to argue otherwise. Wake Up America, your country is being stolen by a con-man.

LuvMyDogs wrote:

<quoted text>That is exactly why kids need to stay in school and learn their ABC's, economics, math, history, and all the rest. Kids have to be educated so that when they are adults they know to make wise choices. Kids that grow up with an entitlement and victim mentality, and not very smart, get all the credit cards they can, and buy houses bigger than they can afford. The banks are out to make money. You HAVE to be an informed consumer. You have to know the difference between compound interest and simple interest, know what a balloon payment is, and know what an adjustable interest rate is. There is a lot of stuff you have to know if you are going to make it. If you are impatient and impulsive and want something before you can afford it, and let yourself be talked into a loan you cannot afford, and one that is filled with loopholes, it is your own fault. Come on, don't keep finding something wrong with everybody else but yourself. Society is not going to cause you to go broke. You are in charge of your own finances.

Agreed, but there is a good number of people losing their homes who are high school and college educated. We are a materialistic society; Owning a home is the American dream that until that big boom of predatory lending was out of reach for most people, and it also encouraged people who may have alread owned a modest home to move up to bigger and better. The marketing gurus and aggresive realtors helped entice people into buying what they could not afford. But, at the end of the day, if you're not savy about finances it's your own fault. I learned the hard way with car leases and cell phones. Now, I research everything and if I am not sure I go to an expert for answers.

bappie wrote:

<quoted text>Pat, you're not playing fair. That was one of how many articles on the mortgage crisis in American. Americans, black, white, hispanic and otherwise are losing their homes because of the greed from predatory lenders who talked people (black, white, hispanic) into homes they could not afford with adjustable mortgage rates. Rates were low then they went up and people OF ALL RACES faced losing their homes. Was it wise for people of ALL RACES to do this? Of course not. Was it predatory lending practices? Most people seem to think so. But it bumps up the economy and business is business. Present data that the majority of people losing their homes are blacks and keep this figure in mind when you do, 13% of the population.

I provide a link to a NY Post article and I'm not playing fair? Liberals in Washington strong armed the banks to relax loan standards to minorities and this is the result. Is that the entire picture? Probably not but it was a major factor.

from the article - "No sooner had the ink dried on its discrimination study than the Boston Fed, clearly speaking for the entire Fed, produced a manual for mortgage lenders stating that: "discrimination may be observed when a lender's underwriting policies contain arbitrary or outdated criteria that effectively disqualify many urban or lower-income minority applicants."

Some of these "outdated" criteria included the size of the mortgage payment relative to income, credit history, savings history and income verification."

In other words, the banks were to give minorities loans no matter what, ignoring all the relevant criteria. This is just one more subersive underhanded way the government tried to force racial equality, costing the white taxpayer untold billions as usual. Plus, any person who agreed to a loan they were unable to pay, no matter what their race is a sucker and an idiot. If you didn't fully understand the loan then why did you sign your name and agree to it? Stupid is as stupid does.

Lance Winslow wrote:

Rev. Wright being the keynote shows his focus and Obama's also. Why did Obama become a constitutional lawyer? Obviously to help black people, not to help the nation. That is a very limited agenda and it certainly is not a resume that excites me as to what he will do for the whole of the American culture, not just black-americans, all Americans. His rhetoric, convenient side talk and left leaning fringe speech all of a sudden changed to a populist view of things. Will the two-faced Obama please show his real colors? NO, he can't as the man clearly doesn't stand for anything, and it is absurd to argue otherwise. Wake Up America, your country is being stolen by a con-man.

You mean our country was stolen by a con man named Bush who gave all our resources to Iraq and his cronies at Haliburton by starting a bogus war based on nothing but propaganda, killing and wounding tens of thousands of Americans.

It just proves that the NAACP is racist.He has alot of nerve calling himself a reverend.He will answer for it one day and won't be able to blame anyone except his ignorant self.

Pat wrote:

<quoted text>
So how many more millions of blacks does there have to be in America before you can learn how to make money independent of whites? Money needs to be earned and if you had any brains you would learn how to earn some. We all know why you can't get credit too. Blacks have this habit of not wanting to pay back what they borrow. Just like the black nations in Africa always having to have their debts forgiven. Credit companies couldn't care less about your complexion, though your behavior is another story. Black behavior is the root cause of black poverty. If there were money to be made lending to blacks every black neighborhood would have lenders trying to get customers.
Look what the Koreans do. They pool their money and buy or start a business then they employ their relatives, then they buy a multi family house for them all to live in, then they use the equity in the house to get another business or another house and they are well on their way to the American dream. You blacks love to call each other brotha and sista yet you rarely act the part and take the steps necessary to get ahead in life. If Koreans can do this while barely understanding English why can't blacks do it?

You have some nerve.

I know personally of several white people that are so deep and far in debt they don't know what to do. They keep getting credit cards with this huge spending limit and use them all and know they can't pay it back. Filing bankruptsy left and right.

I work and have worked all my life as do most black people, we do the work of 3 and 4 people and get paid the salary for 1 person. We don't get paid the same wages as whites. Even if we are more educated and have better skills. That's just the way it is and obviously you don't have a clue as to what the real deal is. You continue to believe the myths and fabels that your ancestors have passed down to you.

You talk about lazy, go into any work place and see who's doing most of the work, it's certainly not a white person, it's usually the few "token" blacks busting there behind doing the work for that white person and getting paid peanuts compared to the person they are working for.

LuvMyDogs wrote:

<quoted text>Sista, If you cannot borrow money, it's your own fault. You can do a bank loan online, a credit card loan online, a car loan online.....etc. I have taken out many loans in my past, and NONE of them have asked if I am green or blue or pink or purple or yellow or red or black or white. If you have a bad credit score, you have spent beyond your means. You don't have to have $150 athletic shoes and $200 gold chains. But, oh, you must, so you can look important. Again, I don't want to hear how bad off you are. I worked for my education. I worked for my shoes. I worked for my jewelry. I worked for my car. I have good credit. I have never taken FREE government money. I have never sought out a group like the ACLU or NAACP to make sure I was placed at the front of the line. I don't want to hear about how your great great great grandmother had to sit in the back of the bus. YOU don't have to sit in the back. Get over your attitude.

How many white people fit into the catagory of not having any money and can't get any credit? Show of hands.

You don't know if I have a job or not, you have no idea of my level of higher education. Nor do you know about my credit score or my credit spending limit.

What needs to be gotten over is "yourselves".

LuvMyDogs wrote:

<quoted text>You know, there is a large portion of our society that have made the choice to remain victims. These kind of people are attracted to Obama. Why? Because Obama is promising to take care of them. Don't you people get it. NOTHING is free. You can not have all you want. You can not, necessarily, have everything you need. You are NOT entitled to be taken care of. Here is an interesting article. Read it and make a decision. Which group are you in? Which group do you think you should be in?
http://www.nationalcenter.org/Man.html

There is something that you don't get.

Stop beleive the fabels and myths about black people that we are all lazy and we dont work and we cant read and write and are all looking for handouts.

You talk about education and how important it is. Well you need to educate yourself on black people because you have it completley twisted and wrong. There are millions and millions of very successful, highly educated, blacks people in all different catagories. You insult the blacks who have overcome the sterotypical image and reputation that some blacks have given us all. Would it be fair to say they all whites are suicidal, would it be fair to say that all whites commit mass murder, would it be fair to say that all white priests rape little boys, would it be fair to say that? No it would not. And it's not fair for whites to continue to lump all blacks into the same catagory.

You say get over my attitude, well you need to get over your thinking. Open your mind, expand, think outside the box.

Pat wrote:

<quoted text>
I provide a link to a NY Post article and I'm not playing fair? Liberals in Washington strong armed the banks to relax loan standards to minorities and this is the result. Is that the entire picture? Probably not but it was a major factor.
from the article - "No sooner had the ink dried on its discrimination study than the Boston Fed, clearly speaking for the entire Fed, produced a manual for mortgage lenders stating that: "discrimination may be observed when a lender's underwriting policies contain arbitrary or outdated criteria that effectively disqualify many urban or lower-income minority applicants."
Some of these "outdated" criteria included the size of the mortgage payment relative to income, credit history, savings history and income verification."
In other words, the banks were to give minorities loans no matter what, ignoring all the relevant criteria. This is just one more subersive underhanded way the government tried to force racial equality, costing the white taxpayer untold billions as usual. Plus, any person who agreed to a loan they were unable to pay, no matter what their race is a sucker and an idiot. If you didn't fully understand the loan then why did you sign your name and agree to it? Stupid is as stupid does.

The mortgage crisis that the country is now facing is not the result of loan defaults soley by minorities, or more specifically blacks. I keep saying this but no one seems to listen. Blacks comprise 13% of the population. No way loans extended to blacks could have such a devasting effect on the mortgage crisis. The loan criteria may have been relaxed in some areas, but not in NJ. What made it easier for people such as me and my husband to buy a home was the lower interest rates and even then we had to jump through hoops to get a mortgage. We both had good, long standing jobs and excellent credit. We were turned down twice before we were able to obtain a loan. White co-workers with comparable incomes and work history obtained loans a lot easier than my husband and I did. I'll agree partly with your statement about relaxed requirements, but this had more to do with helping the housing industry then helping minorities. Predatory lending practices also contributed greatly to this current crisis. But to try to lay this on blacks is ridiculous and bias on your part. Tell me how did you feel about Bush, Sr. bailing out the Savings and Loans mess. White & Black people had to pay for that didn't they? And the article from the NY Post is one of how many on this crisis?

Pat wrote:

<quoted text>
You mean our country was stolen by a con man named Bush who gave all our resources to Iraq and his cronies at Haliburton by starting a bogus war based on nothing but propaganda, killing and wounding tens of thousands of Americans.

Wait a minute are you serious about what you posted here? Are these your "true" feelings?

A Sister wrote:

<quoted text>
How many white people fit into the catagory of not having any money and can't get any credit? Show of hands.
You don't know if I have a job or not, you have no idea of my level of higher education. Nor do you know about my credit score or my credit spending limit.
What needs to be gotten over is "yourselves".

You are correct, there are plenty of white idiots out there too who don't deserve to get credit. They just aren't blaming discrimination for their poor behavior. You always seem to miss the point for some reason.
Poor blacks exist for the exact same reason poor whites exist - poor behaviors. The percentage of poor blacks being higher is not discrimination, rather it's that a greater number of blacks engage in poor behavior. Every time a disparity between blacks and whites is found, out come the cries of discrimination and it is bullshit. Just look at AIDS rates amongst women. Blacks are over 20 times more likely than whites to be carrying the AIDS virus in America. So do black women overall exhibit different behaviors to explain this huge difference in AIDS rates or is this yet another secret white conspiracy? White people are just getting fed up continually being blamed for poor black behavior. If blacks overall exhibited the same behaviors as whites when dealing with credit they would be treated the same way. Companies exist to make a profit, your complexion is irrelevant to them. They will gladly do business with blacks if they see a profit in it.

bappie wrote:

<quoted text>The mortgage crisis that the country is now facing is not the result of loan defaults soley by minorities, or more specifically blacks. I keep saying this but no one seems to listen. Blacks comprise 13% of the population. No way loans extended to blacks could have such a devasting effect on the mortgage crisis. The loan criteria may have been relaxed in some areas, but not in NJ. What made it easier for people such as me and my husband to buy a home was the lower interest rates and even then we had to jump through hoops to get a mortgage. We both had good, long standing jobs and excellent credit. We were turned down twice before we were able to obtain a loan. White co-workers with comparable incomes and work history obtained loans a lot easier than my husband and I did. I'll agree partly with your statement about relaxed requirements, but this had more to do with helping the housing industry then helping minorities. Predatory lending practices also contributed greatly to this current crisis. But to try to lay this on blacks is ridiculous and bias on your part. Tell me how did you feel about Bush, Sr. bailing out the Savings and Loans mess. White & Black people had to pay for that didn't they? And the article from the NY Post is one of how many on this crisis?

"The mortgage crisis that the country is now facing is not the result of loan defaults soley by minorities, or more specifically blacks. I keep saying this but no one seems to listen."

Then I guess you missed this in my last post you just responded to. " Is that the entire picture? Probably not, but it was a major factor."

Minorities have been disproportionately effected at three times the white rate so no, it's not all the minorities fault but they are over represented in this mess.

"Predatory lending practices also contributed greatly to this current crisis."

Yes, but they can't prey on you if you don't let them, can they? They still have to put the terms in writing and you still have to sign your name in agreement to it so who is really to blame? We could both get a credit card right now with a 22 percent interest rate too or we could shop around and get one at 8 percent. Who is to blame if you are lazy and just take the one at 22 percent because they sent you a mailer, never bothering to look for a better deal? Again, this all boils down to personal responsibility and if you lack the intellect or language skills to understand a mortgage then before you sign it spend a few $$ and take it to a real estate lawyer and have him or her check it over for you.

bappie wrote:

<quoted text>Wait a minute are you serious about what you posted here? Are these your "true" feelings?

check it out:
http://www.topix.com/forum/who/condoleezza-ri...
AND
You won't like the language..BUT the guy in the video IS definitely saying some of what what needs to be said..

http://www.topix.net/forum/afam/TNHEQNLQAVDU3...

..you are being misled as a newcomer to this forum..there are a lot of problems..true...
but things are not always as they seem at first..and it looks to me as if you are being manipulated by a very deviouis asshole...
:O)

Pat wrote:

<quoted text>
"The mortgage crisis that the country is now facing is not the result of loan defaults soley by minorities, or more specifically blacks. I keep saying this but no one seems to listen."
Then I guess you missed this in my last post you just responded to. " Is that the entire picture? Probably not, but it was a major factor."
Minorities have been disproportionately effected at three times the white rate so no, it's not all the minorities fault but they are over represented in this mess.
"Predatory lending practices also contributed greatly to this current crisis."
Yes, but they can't prey on you if you don't let them, can they? They still have to put the terms in writing and you still have to sign your name in agreement to it so who is really to blame? We could both get a credit card right now with a 22 percent interest rate too or we could shop around and get one at 8 percent. Who is to blame if you are lazy and just take the one at 22 percent because they sent you a mailer, never bothering to look for a better deal? Again, this all boils down to personal responsibility and if you lack the intellect or language skills to understand a mortgage then before you sign it spend a few $$ and take it to a real estate lawyer and have him or her check it over for you.

Agreed. You've made fair statements. I just heard on the news that the crisis is getting worse. One in ten homeowners in America face losing their homes. Also, you did'nt answer my question about the savings and loan bail-out and if you meant what you said in previous post. I am curious about your response. Gotta go cook dinner, be back later to read your response.

OBAMA 08'Love Him!!!!

Blame The Republicans wrote:

<quoted text>All I see from you is someone who is BITTERRRRRRR!(LOL)

No, I am not bitter. But, it makes me very sad to see multitudes of our young people being wooed by a self-proclaimed saviour of the people. You seldom hear "God Bless America". But, you sure do hear a lot of "God damn America." Obama's followers remind me of the thousands of people swooning after Jim Jones, as he carried them into Jonestown, and convinced them to kill themselves. There are people that would follow Obama into that "promised land", if he so desires to go that road. There are thousands of young mother's-to-be, having their baby removed from their womb, because the baby is an inconvenience. Children are being taught in public school that when they grow up they can marry a person of the same sex if they want to. Kids are not longer being taught patriotism.

I am sad for people that are walking around blindly seeking happiness at any cost. I am sad to see immorality becoming commonplace. I am not bitter. I have a lasting peace in my heart because Jesus Christ lives in me. My heart cries for the godless people. I pray that God doesn't take his hand off of our people.

LuvMyDogs wrote:

<quoted text>No, I am not bitter. But, it makes me very sad to see multitudes of our young people being wooed by a self-proclaimed saviour of the people. You seldom hear "God Bless America". But, you sure do hear a lot of "God damn America." Obama's followers remind me of the thousands of people swooning after Jim Jones, as he carried them into Jonestown, and convinced them to kill themselves. There are people that would follow Obama into that "promised land", if he so desires to go that road. There are thousands of young mother's-to-be, having their baby removed from their womb, because the baby is an inconvenience. Children are being taught in public school that when they grow up they can marry a person of the same sex if they want to. Kids are not longer being taught patriotism.
I am sad for people that are walking around blindly seeking happiness at any cost. I am sad to see immorality becoming commonplace. I am not bitter. I have a lasting peace in my heart because Jesus Christ lives in me. My heart cries for the godless people. I pray that God doesn't take his hand off of our people.

They say "God damn the neo-conservatives kind of America!" That is not the real America, you moron!
Criticizing Bush and his buddies, who are destroying our country, is NOT the same as criticizing America! Actually, it's a patriotic thing. Your kind are the anti-American people.

fastfred wrote:

<quoted text>
Has everyone noticed that Bappie's M.O. is to just call anyone with good points racist? He wants to be in an "African American" forum. That's code for "pity party." Problem is all us whites come along and point out the truth and Bapps just can't hang.
Pat is a good spokesperson for comrades in TRUTH!
Do yourself a favor and just leave this post. Go someplace where everyone will just say "there, there poor black person, your right, it's all whitey's fault."

Hey, Fast Fred, NOT SO FAST!!! Reality Check time. This is an AFRICAN AMERICAN Forum, let's make this perfectly clear once and for all. Does that mean that Whites cannot enter? NO, But as an African American, when I read something unfair, nasty, not true, or just plain malicious, I WILL RESPOND!!!! and I don't care who likes it or not! Coming into this forum does not give people like you free reign to take a DUMP on African Americans. You seem to miss that point as well as other pertinent points so I've noticed. I am as American as you! That means: I go where I want to go and I say what I want to say. I don't like the things some of you people post and you don't like what I post. Last time I looked this was a free country! And you don't tell me to get off of this thread or Forum and I hope I don't have to tell you this again!!!
If you don't like what I post, then ignore it just as I ignore most of your hateful rants..

Pat wrote:

<quoted text>
"The mortgage crisis that the country is now facing is not the result of loan defaults soley by minorities, or more specifically blacks. I keep saying this but no one seems to listen."
Then I guess you missed this in my last post you just responded to. " Is that the entire picture? Probably not, but it was a major factor."
Minorities have been disproportionately effected at three times the white rate so no, it's not all the minorities fault but they are over represented in this mess.
"Predatory lending practices also contributed greatly to this current crisis."
Yes, but they can't prey on you if you don't let them, can they? They still have to put the terms in writing and you still have to sign your name in agreement to it so who is really to blame? We could both get a credit card right now with a 22 percent interest rate too or we could shop around and get one at 8 percent. Who is to blame if you are lazy and just take the one at 22 percent because they sent you a mailer, never bothering to look for a better deal? Again, this all boils down to personal responsibility and if you lack the intellect or language skills to understand a mortgage then before you sign it spend a few $$ and take it to a real estate lawyer and have him or her check it over for you.

I agree. The information you provided is sound advice for anyone purchasing a home and that is what my husband and I did when we purchased our home twenty-years ago. I think part of the problem involve the young as well. They don't want to wait for things or save for things. If they have a good job and make decent money they spend, spend, counting on raises, bonuses, etc. The more money they make, the more they spend. They want new cars, the latest gadgets, expensive vacations, clothes, private schools for the kids, eat out alot, entertain, etc. but put no money away for a rainy day, let alone money for future expensives such as college tution or retirement. When one is making 100,000 a year and loses their job, it's hard to find another job making that kind of money. The general length of time to find a comparable job is six months to a year. The divorce rate in this country is another reason for the foreclosure rates. Single women, of all races cannot afford to keep their homes w/o the former spouses support. And getting back to predatory lending, why do credit card companies solicit college students? They're banking on them to get high paying jobs after graduation. This generally puts this group in debt before they even find a job! The lucky ones get their parents to pay off the debt by taking out equity loans on their homes. I too have been tempted to take out an equity loan to fix and maintain my home. The interest rates are low enough, but what would happen if I or my husband became ill and could not pay it, so I save, and fix a little at a time. What's the point of this narrative? I am black, my friends are of all races, but, we all go through the same things and handle our finances pretty much the same. So we you speak in general terms of blacks the way you do sometimes, it's not only unfair, but it is also untrue.

Patrick Henry:
Paraphrased: I may not agree with what you say, but I'll defend to the death, your right to say it!!