So, enlighten us with explanations for the following:
Why are blacks poorer than whites?
Why is black unemployment so much higher than whites?
Because they are only 13% of the population and there's a higher quantity percentage of the black race that "ain't shyt" compared to the white race, in terms of the "ain't shyt" group not graduating HS, not acquiring any type of real marketplace skills, having kids before they are able to provide for them, and getting involved in thug lifestyles which eventually SLAPS felonies on your record making it hard to get decent jobs.
Now, when you respond, tell me specifically what do you disagree about with my analysis. Don't name call, just tell me specifically where you believe I'm wrong with this analysis and we'll keep the convo going from there, deal?
Why are blacks more likely to be convicted and incarcerated than whites for similar crimes?
Why do blacks receive harsher sentences than whites for crime?
Why are blacks more likely to get the death penalty?
I'm not a black criminal, I don't sell drugs, use drugs, nor do illegal shyt so I really do not have any interactions with the cops unless I'm getting a speeding ticket (in which case when I'm respectable, they usually let me go with a warning about 75% of the time)
But with that being said, from the study I have done on this, it appears as though young black men are committing crimes at a far higher rate than young white males. As a result of this, it could have led to police policing young black men more HARSHLY, profiling them more harshly, as well as Judges judging them more HARSHLY.
From my analysis, that's what I'm seeing, but you tell me where you think I'm going wrong with this analysis. Again, no name calling, just specifically tell me where you think I'm wrong here.
Why do blacks pay higher interest rates for loans?
I work in the lending industry and I can tell you, a lot of black applicants come in with derogatory credit histories. A lot of times, you don't even see the applicant, the application comes in through an online app and is ran through an automated underwriting system full of pre-set algorithms. Either you fit the criteria for the program or you don't.
My FICO is over 740 and I use a lot of my credit for business related activities. I have no collections, no missed payments, I have a good combination of installment/revolving credit, and low utilization rates. As a result, I've been able to build up my credit line availability total to over $200,000.
And I'm black. But I fit the criteria of the lending program, so that's why I got approved.