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Finally, don’t put on a Let’s Be Fair tone and say “But black people are racist too.” Because of course we’re all prejudiced (I can’t even stand some of my blood relatives, grasping, selfish folks), but racism is about the power of a group and in America it’s white folks who have that power. How? Well, white folks don’t get treated like shit in upper-class African-American communities and white folks don’t get denied bank loans or mortgages precisely because they are white and black juries don’t give white criminals worse sentences than black criminals for the same crime and black police officers don’t stop white folk for driving while white and black companies don’t choose not to hire somebody because their name sounds white and black teachers don’t tell white kids that they’re not smart enough to be doctors and black politicians don’t try some tricks to reduce the voting power of white folks through gerrymandering and advertising agencies don’t say they can’t use white models to advertise glamorous products because they are not considered “aspirational” by the “mainstream.

Anywhere you find the combination of great need and ignorance, you’ll likely see predatory ads. If people are anxious about their sex lives, predatory advertisers will promise them Viagra or Cialis, or even penis extensions. If they are short of money, offers will pour in for high-interest payday loans. If their computer is acting sludgy, it might be a virus inserted by a predatory advertiser, who will then offer to fix it. And as we’ll see, the boom in for-profit colleges is fueled by predatory ads.

racism is about the power of a group and in America it’s white folks who have that power. How? Well, white folks don’t get treated like shit in upper-class African-American communities and white folks don’t get denied bank loans or mortgages precisely because they are white and black juries don’t give white criminals worse sentences than black criminals for the same crime and black police officers don’t stop white folk for driving while white and black companies don’t choose not to hire somebody because their name sounds white and black teachers don’t tell white kids that they’re not smart enough to be doctors and black politicians don’t try some tricks to reduce the voting power of white folks through gerrymandering and advertising agencies don’t say they can’t use white models to advertise glamorous products because they are not considered “aspirational” by the “mainstream.

but racism is about the power of a group and in America it’s white folks who have that power. How? Well, white folks don’t get treated like shit in upper-class African-American communities and white folks don’t get denied bank loans or mortgages precisely because they are white and black juries don’t give white criminals worse sentences than black criminals for the same crime and black police officers don’t stop white folk for driving while white and black companies don’t choose not to hire somebody because their name sounds white and black teachers don’t tell white kids that they’re not smart enough to be doctors and black politicians don’t try some tricks to reduce the voting power of white folks through gerrymandering and advertising agencies don’t say they can’t use white models to advertise glamorous products because they are not considered “aspirational” by the “mainstream.” So

Some people think that there is only one way to start a business: protect an idea through a patent, get a loan to make a product, hire people who know how to make the product, get the product sold by retailers, spend money to advertise, and finally, find customers for said product. And then there is the hipster business model: Make a product you love so much that you'll make it yourself. See if anyone wants it. Try again.

I began shopping at the bankruptcy attorney’s office, or the courthouse steps. In these shopping places, a $75,000 house could sometimes be bought for $20,000 or less. For $2,000, which was loaned to me from a friend for 90 days for $200, I gave an attorney a cashier’s check as a down payment. While the acquisition was being processed, I ran an ad advertising a $75,000 house for only $60,000 and no money down. The phone rang hard and heavy. Prospective buyers were screened and once the property was legally mine, all the prospective buyers were allowed to look at the house. It was a feeding frenzy. The house sold in a few minutes. I asked for a $2,500 processing fee, which they gladly handed over, and the escrow and title company took over from there. I returned the $2,000 to my friend with an additional $200. He was happy, the home buyer was happy, the attorney was happy, and I was happy. I had sold a house for $60,000 that cost me $20,000. The $40,000 was created from money in my asset column in the form of a promissory note from the buyer. Total working time: five hours.

His beautiful rooms over Sherry’s cost him nothing, for they were part of Tom Wanamaker’s permanent apartment there, and Tom was only too pleased to loan them to anyone as amusing as Harry. His meals were supplied free whenever he chose to take them there, and in the restaurant downstairs he could entertain as many guests as he chose, for the management was perfectly aware that no better advertisement could exist than Harry Lehr’s patronage.

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. "But black people are racist too." Because of course we’re all prejudiced (I can’t even stand some of my blood relatives, grasping, selfish folks), but racism is about the power of a group and in America it’s white folks who have that power. How? Well, white folks don’t get treated like shit in upper-class African-American communities and white folks don’t get denied bank loans or mortgages precisely because they are white and black juries don’t give white criminals worse sentences than black criminals for the same crime and black police officers don’t stop white folk for driving while white and black companies don’t choose not to hire somebody because their name sounds white and black teachers don’t tell white kids that they’re not smart enough to be doctors and black politicians don’t try some tricks to reduce the voting power of white folks through gerrymandering and advertising agencies don’t say they can’t use white models to advertise glamorous products because they are not considered “aspirational” by the “mainstream.” So after this listing of don’ts, what’s the do? I’m not sure. Try listening, maybe. Hear what is being said. And remember that it’s not about you. American Blacks are not telling you that you are to blame. They are just telling you what is. If you don’t understand, ask questions. If you’re uncomfortable about asking questions, say you are uncomfortable about asking questions and then ask anyway. It’s easy to tell when a question is coming from a good place. Then listen some more. Sometimes people just want to feel heard. Here’s to possibilities of friendship and connection and understanding.

The great lie about a college education in the infancy of the twenty-first century is that it guarantees a job that will allow you to live the lifestyle portrayed in all the beer commercials and car advertisements you see on TV. The reality is that you have a lifetime of student loans to pay back while you send out résumés and serve pizzas and wonder when your proverbial ship is going to pull into port to help you navigate your ocean of debt.

Houses that were once $100,000 were now $75,000. But instead of shopping with local real estate agents, I began shopping at the bankruptcy attorney’s office, or the courthouse steps. In these shopping places, a $75,000 house could sometimes be bought for $20,000 or less. For $2,000, which was loaned to me from a friend for 90 days for $200, I gave an attorney a cashier’s check as a down payment. While the acquisition was being processed, I ran an ad advertising a $75,000 house for only $60,000 and no money down.

Those captivated by the cult of celebrity do not examine voting records or compare verbal claims with written and published facts and reports. The reality of their world is whatever the latest cable news show, political leader, advertiser, or loan officer says is reality. The illiterate, the semiliterate, and those who live as though they are illiterate are effectively cut off from the past. They live in an eternal present. They do not understand the predatory loan deals that drive them into foreclosure and bankruptcy. They cannot decipher the fine print on the credit card agreements that plunge them into unmanageable debt. They repeat thought-terminating clichés and slogans. They are hostage to the constant jingle and manipulation of a consumer culture. They seek refuge in familiar brands and labels. They eat at fast-food restaurants not only because it is cheap, but also because they can order from pictures rather than from a menu. And those who serve them, also often semiliterate or illiterate, punch in orders on cash registers whose keys are usually marked with pictures. Life is a state of permanent amnesia, a world in search of new forms of escapism and quick, sensual gratification.

We live in a drug culture! Drugs are everywhere and touted as the panacea for every ailment in our society. We have drugs for hyper children, drugs for depression—some of the most insidious drugs ever—, drugs for allergies, drugs for acne, drugs for emphysema and drugs for erectile disfunction—maybe the most useful of them all. And let’s not forget the side effects of these wonder drugs! It’s cliche to even talk about drug advertisements and the laundry list of side effects tacked onto the end of them, usually rattled off at warp speed by someone on loan from the local auction house. I’ve seen ads for acne medicines that include side effects that are potentially fatal! Seriously? “Hey! Buy our Acne-Magic Drug! You’ll have crystal clear skin! In your coffin!” What the hell is wrong with us?

When condominiums don’t meet government-backed lenders’ standards they become non-warrantable. This means that buyers cannot get standard loans for these properties. They will have to pay cash or pay exorbitant rates through private lenders. When a building is full of non-warrantable condos, the pool of buyers shrinks and lowers the condo’s value. One might think that newer projects would have lower maintenance costs than older projects. But this isn’t always true. Some builders set monthly fees low while they advertise the project. This attracts bargain buyers, but owners soon discover they have inadequate reserves. The monthly fees then skyrocket. Even if the homeowners successfully sue the builder, it is hard to sell any properties while litigation is pending, and values drop. Most states have specific forms for condominium transactions in which the association discloses finances and reserves. Buyers must sign and verify they have examined the financial condition of the project. Pay attention to past history. How old is the roof? When were improvements last made? How often do association dues increase? Even though many people don’t investigate these issues, a home’s value depends on them. CHAPTER 7 BANK FINANCING Banks have a new image. Now you have ‘a friend,’ your friendly banker. If the banks are so friendly, how come they chain down the pens? — Alan King Bank lending standards and terms change daily. This chapter provides general principles that should prove useful over the long term. We will examine how to borrow from banks to acquire or refinance a home. Please note the term “banks” as used here includes credit unions and other major financial institutions. There’s another chapter on non-bank lending to help those who don’t meet the criteria set by major lending institutions.

Many banks do not advertise they are portfolio lenders and many people working at the bank may not even know what a portfolio lender is. If you are calling up a bank and they say they aren’t a portfolio lender, don’t give up! Ask to talk to a loan officer and ask specific questions about what type of investor programs they offer. Here are some good questions to ask; Do you loan to investors who already have four mortgages? Do you sell your loans or keep them in-house? Do you allow investors with four or more mortgages to do cash out refinance? What terms and loan programs do you offer investors? ARM, 15, 30 year fixed, balloon? What interest rates are you charging and what are the initial costs for your loans? What

Compliance of Student Loan consolidation by The Student Loan Help Center The Student Loan Help Center firmly believes in strict compliance with the Telephone Consumer Protection Act (TCPA). The Student Loan Help Center has a zero tolerance policy in regards to violations of the FCC’s TCPA regulations. The Student Loan Help Center does not include unsolicited advertisements or unsolicited calls. We do make solicited calls prior to obtaining written consent via a website form. Refer to the “Small Entity Compliance Guide” for information. In adopting the written consent requirement, however, the FCC will recognize prior express written consent secured under the methods described in the E-SIGN Act. Permission obtained via an email, website form, text message, telephone keypress, or voice recording, as provided in the E-SIGN Act, will suffice as prior express written consent. The Student Loan Help Center does not include any cell phone text messaging platform, robocalls, autodialers, voiceblasting or any other device that can be considered automated telephone equipment without written consent. The Student Loan Help Center has a clearly written privacy policy, available to anyone upon request. We limit our calls to the period between 8 a.m. and 9 p.m., local time. The Student Loan Help Center assists consumers with federal student loan consolidation preparation and filing services. We are not affiliated with or endorsed by the U. S. Department of Education. Like filing a tax return, you can file a consolidation without professional assistance and without charge at loanconsolidation.ed.gov The Student Loan Help Center has no tolerance with misrepresentations. In our efforts to avoid confusion we have placed disclaimers at the bottom of every page of our websites. The Student Loan Help Center shows a Caller ID on every outbound call (8137393306, 8137508039, 8138038132, 8135751175 & 8133454530). The Student Loan Help Center is a private company. As such The Student Loan Help Center requires a FEE. That fee is disclosed to the client, in writing, before any billing is performed. The Student Loan Help Center has a very specific fee schedule. The Student Loan Help Center keeps the client’s records for a minimum of two years.

Collectively, THEY BUILD HOUSES WITH SHITTY MATERIALS, FAULTY STRUCTURES, TEMPORARY ARRANGEMENTS AND DEFAULT CLOSINGS, WHERE THEY THEN USE FALSE MARKETING AND ADVERTISEMENT TO SELL IT; ALL WHILE ENTERTAINING DECEPTIVE TRADE PRACTICES. STILL, I AM PERPLEXED. I AM PERPLEXED, BECAUSE THIS IS ABOUT AS BAD AS A BALLON LOAN, WITH A PRE PAYMENT PENALTY CLAUSE. WHO DOES THAT?

Table 3.1 Purpose of Expenditures Made by U.S. House Candidates in 2012 Purpose Amount Percentage of Total Donations $4,982,351.00 0.47% Refunds $8,356,003.00 0.78% Travel $16,300,000.00 1.52% Loan Repayments $18,515,640.70 1.73% Polling $20,300,000.00 1.90% Event Expenses $29,000,000.00 2.71% Transfers $29,600,000.00 2.76% Campaign Materials $70,500,000.00 6.58% Contributions $74,200,000.00 6.93% Fundraising $97,100,000.00 9.07% Advertising $316,000,000.00 29.51% Salary/Overhead/Admin. $386,000,000.00 36.05% Totals $1,070,853,995.00 100.01%* Source: Federal Election Commission *Percentage exceeds 100 due to rounding.

America" Loans Interest rates Endless advertisements Usury and deception Countless heavy bodies filled with fear Migrant, refugee, and illegal bodies that came escaping America’s oppression in their own countries… America Depression, anxiety, and pain relief pills A political, media, and institutional matrix of power ran by one lobby… Credit cards Bankruptcy Debts Drugs The homeless Racism Weapons Strict security measures Suffocating any attempt for any meaningful change under the pretext of the homeland security… America Sanctions imposed on this country and that, Internal psychological sanctions imposed on a majority of the naïve who believe themselves to be free… America Tasteless fruit, vegetables, meats, eggs, and cheeses, injected with hormones, sprayed with pesticides and many other carcinogenic substances… America Houses that look beautiful from the outside, inhabited by people who are mostly lonely, going through psychological or nervous breakdowns, or perhaps wrestling with depression or hysteria, the luckiest of them are on daily pills to help them adapt to the psychological and spiritual death surrounding them from all sides… America Fruitless trees and scentless flowers, as if as a punishment or a curse from heaven upon those who stole the land from its native people, after erasing most of them… America Bills Sad letters in the mail, mostly from companies and advertisers wishing you a delightful day and great consumption, encouraging you to solve your problems with more consumption, and reminding you that you may die abruptly of loneliness or the toxins that you consume, and therefore, you must seriously consider purchasing your casket and the plot under which you will be buried… [Original poem published in Arabic on August 27, 2024 at ahewar.org]