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You're such a bitch you didn't even quote me so I could be aware of your response.Also I didn't even ask you to re do your dissertation all I asked was where on the internet it could be found.
Links without comments aren't arguments. I have no idea what I'm supposed to infer about your argument from this information.27 Amendments
1. The freedom of religion, speech, and to peacefully assemble together. 2. The right to own a gun. 3. The right to not house a solider. 4. The right to not be searched or have something taken...victoriasconstitutionsimplified.weebly.com
You:Links without comments aren't arguments. I have no idea what I'm supposed to infer about your argument from this information.
Yea, we wouldn't have to ask this question if it was all done fairly.Having to ask this question, maybe is the reason African American's can't, the lack of education, economics, business, etc.,
That is the lie you have been telling us for how many centuries?Of course, it is likely your ancestors loaded them on the boats. Profitable then, profitable now. Aye?
Let me get this straight, someone provides a thought and suggestion, but it's immediately a lie. You could instead ask for a program name, ask for examples, as for details, etc. But know, you call it a lie and shut the door. That is intellectually ignorant.
How about Google... ever heard of it, instead of throwing out a ad hominem attack.
But since that seems difficult, here is one example for you below:
New Loan Programs to Help Minority- and Women-Owned Businesses
Ohio Governor Mike DeWine and Lt. Governor Jon Husted today announced two new loan programs to help minority- and women-owned businesses grow and boost the Ohio economy.governor.ohio.gov
And yes, many of whites have stories to tell, but because we're white, to you that discredits anything they would say. That is also intellectually illogical.
www.forbes.com
www.forbes.com
www.theguardian.com
www.nbcnews.com
That is the lie you have been telling us for how many centuries?
What are you confused about? Reparations is for injustices done to black folks from slavery to Jim Crow.So now the reparations is for land taken from the Blacks?
I'm getting confused
No slaves are still alive.What are you confused about? Reparations is for injustices done to black folks from slavery to Jim Crow.
Okay. so let's discuss that first article that has points to discuss: But first, we have to understand that banks have lending standards. They can't discriminate based on sex, race, etc., as there are equal opportunity lending laws. So let's be clear that those lending standards exist.Council Post: Why Minorities Have So Much Trouble Accessing Small Business Loans
Minority-owned firms are much less likely to be approved for small business loans than white-owned firms. And, even if they do get approved, minority-owned firms are more likely to receive lower amounts and higher interest rates.
Why Black-Owned Businesses Struggle To Get Small Business Loans
Small business owners have struggled during the Covid-19 pandemic all across the U. S. Minority business owners, in particular, have been hit especially hard by the pandemic and shutdowns.
Black-owned firms are twice as likely to be rejected for loans. Is this discrimination? | Gene Marks
Less than 47% of financing applications filed by African American business owners get approved, a report found
Why are so many black-owned small businesses shut out of PPP loans?
"I'm tired of hearing about the money. I want to see the money," said one African American owner of a small business.
we dont live in white , black or any other race american . we live in america period.Okay. so let's discuss that first article that has points to discuss: But first, we have to understand that banks have lending standards. They can't discriminate based on sex, race, etc., as there are equal opportunity lending laws. So let's be clear that those lending standards exist.
Also, did you even read the first article, or google find a title that fit your narrative and then copy and paste? The first article basically negates your premise in the first paragraph. It states:
"One of the many long-standing frustrations for minorities is that their vital role in the U.S. economy hasn't made it much easier for them to obtain the means for success. Between 2007 and 2017, minority-owned small businesses grew by 79%, about 10 times faster than the overall growth rate for U.S. small businesses during the same time frame. This puts the number of minority-owned businesses at approximately 11.1 million, which isn’t much of a surprise, considering the U.S. is expected to become a minority-majority country sometime between 2040 and 2050.
First point: Lower Net Worth.
First thing I'll say is that the article unfairly uses this term and language, "Banks are traditionally biased against applicants with less money to spare, partially because such applicants probably cannot offer collateral". This is not a "bias" decision, rather it is a business decision. If you go to bank for a small business loan, they need to know that the applicant has financial viability, and collateral is one are banks look at. If you don't have a large sum of money in the bank, what other assets can you offer to the bank in case your business goes belly up? There is nothing bias about it.
However, someone's net worth is not the fault of White America, especially today. But, what the article doesn't do is educate on how to over come a "net worth" issue. If you want to start a business with little to no capital, get an investor on board, or a co-owner to increase the net worth. Formulate strategic business plan to present to the bank. One's net worth isn't a racial issue, it is an individual hinderance to starting a business that can be overcome if one wants research and work to overcome it.
2nd Point: Not the Most Optimal Location
Banks again do a risk assessment. It is their discretion to approve or deny based on the viability of the business plan and owner. This is again, not a racial issue, but a cultural and community issue.
3rd Point: Poor Or Little Credit History
No ones fault but the loan applicant. Not a racial issue. A person's credit history can be a direct relation to how an individual will run a business. But what is interesting is that this paragraph does provide some valuable insight. "Thankfully in times like this, private funding companies have gained traction by mining data and looking not only at credit but also looking at time in business, industry, location, cash flow, both daily and monthly ending bank balances in the business accounts, number of staff, time left on lease, etc. By looking at more than just credit, these models have allowed minority business owners to access capital."
No slaves are still alive.
I’d be OK with a special program for Jim Crow victims. Maybe an extra $500 a month on their SS checks.
This added nothing to the discussion. Would you like a participation trophy?we dont live in white , black or any other race american . we live in america period.
Can you define fair please. I touched on fairness in a previous post and would like to know your thoughts.Yea, we wouldn't have to ask this question if it was all done fairly.
www.usmessageboard.com
It doesn't work like that.What are you confused about? Reparations is for injustices done to black folks from slavery to Jim Crow.
I asked for a link to your argument, not a random website. Are you even the creator of the website? What does that link have to do with what I asked you for you Dipshit?You:
"Also I didn't even ask you to re do your dissertation all I asked was where on the internet it could be found."
I showed you where on the internet where it could be found, I don't think you want to be spoon fed.
It doesn't work like that.
I imagine you have not faced slavery or Jim Crow laws.
The Japanese, had THIER land taken and THEY were put in internment camps.
The Eskimoes, had THEIR land taken from them and the Canadians paid THEM for it.
But, despite leading a significant portion of the nation's businesses, minority-owned firms are still having a much harder time accessing small business loans than their white counterparts. Minority-owned firms aremuch less likely to be approved for small business loans than white-owned firms. And, even if they do get approved, minority-owned firms are more likely to receive lower amounts and higher interest rates. According to findings from the U.S. Department of Commerce Minority Business Development Agency, these discrepancies have made minority business owners more likely to not apply for small business loans, usually out of fear of rejection.Okay. so let's discuss that first article that has points to discuss: But first, we have to understand that banks have lending standards. They can't discriminate based on sex, race, etc., as there are equal opportunity lending laws. So let's be clear that those lending standards exist.
Also, did you even read the first article, or google, find a title that fit your narrative and then copy and paste? The first article basically negates your premise in the first paragraph. It states:
"One of the many long-standing frustrations for minorities is that their vital role in the U.S. economy hasn't made it much easier for them to obtain the means for success. Between 2007 and 2017, minority-owned small businesses grew by 79%, about 10 times faster than the overall growth rate for U.S. small businesses during the same time frame. This puts the number of minority-owned businesses at approximately 11.1 million, which isn’t much of a surprise, considering the U.S. is expected to become a minority-majority country sometime between 2040 and 2050."
79% Growth in 10 years is significant and very positive, even though the article tries to add negativity in the first sentence in the above paragraph LOL.
Anyways...
First point: Lower Net Worth.
First thing I'll say is that the article unfairly uses this term and language, "Banks are traditionally biased against applicants with less money to spare, partially because such applicants probably cannot offer collateral". This is not a "bias" decision, rather it is a business decision. If you go to bank for a small business loan, they need to know that the applicant has financial viability, and collateral is one are banks look at. If you don't have a large sum of money in the bank, what other assets can you offer to the bank in case your business goes belly up? There is nothing bias about it.
However, someone's net worth is not the fault of White America, especially today. But, what the article doesn't do is educate on how to over come a "net worth" issue. If you want to start a business with little to no capital, get an investor on board, or a co-owner to increase the net worth. Formulate strategic business plan to present to the bank. One's net worth isn't a racial issue, it is an individual hinderance to starting a business that can be overcome if one wants research and work to overcome it.
2nd Point: Not the Most Optimal Location
Banks again do a risk assessment. It is their discretion to approve or deny based on the viability of the business plan and owner. This is again, not a racial issue, but a cultural and community issue.
3rd Point: Poor Or Little Credit History
No ones fault but the loan applicant. Not a racial issue. A person's credit history can be a direct relation to how an individual will run a business. But what is interesting is that this paragraph does provide some valuable insight.
"Thankfully in times like this, private funding companies have gained traction by mining data and looking not only at credit but also looking at time in business, industry, location, cash flow, both daily and monthly ending bank balances in the business accounts, number of staff, time left on lease, etc. By looking at more than just credit, these models have allowed minority business owners to access capital."
Because the stories are the truth. And I’m about as far from a racist as anyone you will ever meet. In the extremely integrated ghetto I grew up in, racists of any color didn’t survive to grow up. We all learned early that trash comes in all colors and creeds and as do good people.Another right wing lie.
Funny how every white racist has a story to tell.
