What if?

schuylaar

Well-Known Member
no

Bugeye makes it all up as he goes
he used the thought of a woman in his life to soften his edges; make me like him almost seemed human.

i'm scared..is it really yellow at your house with ashes snowing?..the sun is really red and can hardly be seen..it looks like looking through a yellow filter out there.

i need to vape- i'm getting anxious.
 

UncleBuck

Well-Known Member
he used the thought of a woman in his life to soften his edges; make me like him almost seemed human.

i'm scared..is it really yellow at your house with ashes snowing?..the sun is really red and can hardly be seen..it looks like looking through a yellow filter out there.

i need to vape- i'm getting anxious.
Yesterday was yellow with ash snow, today is slightly better
 

Bugeye

Well-Known Member
What if Trump wins and everyone supporting Biden burns down their own homes in protest? I think that would make a powerful statement.
 

schuylaar

Well-Known Member
What if Trump wins and everyone supporting Biden burns down their own homes in protest? I think that would make a powerful statement.
what if there is a floatilla and everyone forgot their Trump* flag after their ship sunk..?

what If a warship was sinking and had to be abandoned, flags such as the battle ensigns would be taken off the ship before it sank and were entrusted to the senior (surviving) officer. Some countries use their national flag as the battle ensign, while others use their naval ensign.
.

what If a ship is sinking, maritime tradition dictates that the captain ensures the safe evacuation of every passenger before he evacuates himself. He (or she) is responsible for the lives of those onboard, and he can't coordinate their exit unless he's the last person off.
 

hanimmal

Well-Known Member
What if...in those violent cities run by democrats the politics were different?

What if those now Democratic ran cities were not redlined into a unnaturally low tax base by Republicans and rich racist assholes like Trump into the issues that we have today?

Screen Shot 2020-09-09 at 6.15.49 AM.png

"Redlining" just sounds like an an old-timey term, a practice that exists only in history and our re-tellings of it. The word has particular roots in the 1930s, when the government-sponsored Home Owner's Loan Corporation first drafted maps of American communities to sort through which ones were worthy of mortgage lending. Neighborhoods were ranked and color-coded, and the D-rated ones — shunned for their "inharmonious" racial groups — were typically outlined in red.

This government practice was swiftly adopted by private banks, too, during an era of massive homeownership expansion in the U.S. And the visual language of the maps became a verb: To redline a community was to cut it off from essential capital. To be redlined was something even worse.

The federal government eventually retreated from the practice, and it was outlawed by the Fair Housing Act in 1968. But black communities have warned that it still exists in subtler and changed forms, in bank tactics that have targeted these same neighborhoods for predatory lending, or in new patterns like "retail redlining." Some of the persistent redlining, though, still looks an awful lot like the original.

Case in point: This week the Department of Housing and Urban Development settled with the largest bank headquartered in Wisconsin over claims that it discriminated from 2008-2010 against black and Hispanic borrowers in Wisconsin, Illinois and Minnesota. The bank, Associated Bank, denies wrongdoing in the settlement, but HUD itself is declaring victory in "one of the largest redlining complaints" ever brought by the federal government against a mortgage lender.

Screen Shot 2020-09-09 at 6.16.22 AM.png

HUD's analysis of Home Mortgage Disclosure Act data concluded that the bank disproportionately denied qualified loan applicants in predominantly minority neighborhoods in Chicago, Milwaukee, and Minneapolis, compared to other lenders operating in these same communities. Now Associated Bank has agreed to a long list of actions to make amends over the next three years: It must finance nearly $200 million in home loans in majority-minority census tracts within these cities, and pay nearly $10 million in down payment assistance to borrowers or in lower interest rates. It must also open four new offices in minority neighborhoods in Chicago and Milwaukee, and invest $1.4 million in marketing loans in many of these same underserved communities.

The case is not about doling out mortgages to minority households that wouldn't otherwise qualify for them — it's about offering equal access to families that look just as eligible on paper as white homeowners nearby.

It is, however, a reality that historic redlining makes homeownership beyond reach for many families in these communities today, regardless of how big banks behave now. If your family was denied a mortgage in the 1930s, or the 1950s, or the 1970s, then you may not have the family wealth or down payment help to become a homeowner today. In that way, the consequences of past redlining transcend time, even as new forms of it continue.
 

schuylaar

Well-Known Member
What if those now Democratic ran cities were not redlined into a unnaturally low tax base by Republicans and rich racist assholes like Trump into the issues that we have today?

View attachment 4678278

"Redlining" just sounds like an an old-timey term, a practice that exists only in history and our re-tellings of it. The word has particular roots in the 1930s, when the government-sponsored Home Owner's Loan Corporation first drafted maps of American communities to sort through which ones were worthy of mortgage lending. Neighborhoods were ranked and color-coded, and the D-rated ones — shunned for their "inharmonious" racial groups — were typically outlined in red.

This government practice was swiftly adopted by private banks, too, during an era of massive homeownership expansion in the U.S. And the visual language of the maps became a verb: To redline a community was to cut it off from essential capital. To be redlined was something even worse.

The federal government eventually retreated from the practice, and it was outlawed by the Fair Housing Act in 1968. But black communities have warned that it still exists in subtler and changed forms, in bank tactics that have targeted these same neighborhoods for predatory lending, or in new patterns like "retail redlining." Some of the persistent redlining, though, still looks an awful lot like the original.

Case in point: This week the Department of Housing and Urban Development settled with the largest bank headquartered in Wisconsin over claims that it discriminated from 2008-2010 against black and Hispanic borrowers in Wisconsin, Illinois and Minnesota. The bank, Associated Bank, denies wrongdoing in the settlement, but HUD itself is declaring victory in "one of the largest redlining complaints" ever brought by the federal government against a mortgage lender.

View attachment 4678279

HUD's analysis of Home Mortgage Disclosure Act data concluded that the bank disproportionately denied qualified loan applicants in predominantly minority neighborhoods in Chicago, Milwaukee, and Minneapolis, compared to other lenders operating in these same communities. Now Associated Bank has agreed to a long list of actions to make amends over the next three years: It must finance nearly $200 million in home loans in majority-minority census tracts within these cities, and pay nearly $10 million in down payment assistance to borrowers or in lower interest rates. It must also open four new offices in minority neighborhoods in Chicago and Milwaukee, and invest $1.4 million in marketing loans in many of these same underserved communities.

The case is not about doling out mortgages to minority households that wouldn't otherwise qualify for them — it's about offering equal access to families that look just as eligible on paper as white homeowners nearby.

It is, however, a reality that historic redlining makes homeownership beyond reach for many families in these communities today, regardless of how big banks behave now. If your family was denied a mortgage in the 1930s, or the 1950s, or the 1970s, then you may not have the family wealth or down payment help to become a homeowner today. In that way, the consequences of past redlining transcend time, even as new forms of it continue.
did you miss the bags of USPS mail dumped in a parking lot by contractor? the blue boxes collected and stacked? the sorting machines unassembled sitting in the rain rendered useless?
 

hanimmal

Well-Known Member
did you miss the bags of USPS mail dumped in a parking lot by contractor? the blue boxes collected and stacked? the sorting machines unassembled sitting in the rain rendered useless?
I saw you posted that about the mail being dumped, not the other stuff yet. Is that in Florida?
 

waktoo

Well-Known Member
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