Why is it easy for Caucasians in small towns and cities to succeed without degrees?

[JAG89]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

Nothing can't beat the buddy system, which is also institutionalize racism.

Here's another vantage point...

In rural, primarily agricultural, farming areas, whites get ahead (also) by simply holding decision-making positions. And they use these positions to 'slow' the access to credit and other things, instead of outright denying you. This is how they skirt the 'discrimination' element..

Here's an example. A black farmer and a white farmer both apply for FSA (Farm Service Administration) loans. Both farms are comparable and the requested loan amounts are also. Both farmers submit their paperwork ontime. Most FSA offices are located in the County Seat and are staffed by locals (usually whites). The black farmer has a mistake on his loan application. So does the white farmer. If the white farmer's mistake is merely clerical (like spelling), the local FSA clerk will make the correction and send the loan application to Washington DC. But if the black farmer mas the SAME MISTAKE, the clerk won't make the correction. They'll deny the application and contact the farmer and have him submit the application again. This could take a few weeks. By this time, the white farmer's loan has been processed and he's gotten his money (usually) before March 1st, so he can prepare his land to plant his crops. But by the time the black farmer resubmits his loan, and it gets reviewed (at the local FSA) and then sent to Washington DC, he doesn't get his money until June 1st, several months TOO LATE to properly get his land prepared for planting. What winds-up happening is, in order to get his money ON TIME, the black farmer goes to the local bank and borrows the money (he applied for from FSA). The local bank grants him the loan, because they have proof of the pending FSA loan. So, the black farmer gets his land ready and plants his crops. June 1st comes and he gets his FSA money. Guess where it goes? To the bank to pay off the short-term loan he got (waiting on the FSA). And since the bank usually won't loan more money than he applied for (from the FSA), the farmer still owes the bank the INTEREST (or combo of principal and interest) remaining on the loan. So this ends up costing the black farmer more money just to be able to farm..

And if you have this happen for 3 or 4 years in a row, the black farmers goes out of business because his bank loans outpace whatever he would've made from farming..

This is real. It happens all the time. I know. I know farmers that this happened to... The subtleness of not processing a loan app on time, causes other problems. And then they snowball, and force the farmer to sell his farm in order to pay the loan from the local bank.

Sad..

 

[JayRob]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

This is both funny and sad ....

It's sad to see a group of grown men have absolutely no clue what it takes to have the "success" they see middle class white people having and resort to simplistic answers like "white folks are racist" and "they can get loans".

Brothers, we have to do better. Somebody needs to break down - step by step - what it takes to create positive financial results and what things lead to negative financial results.

Knowledge and behavior. That's what separates white people ... and Asians ... and Nigerians ... and everybody else who "succeeds" from African Americans. This is not to deny the existence and effects of racism in this country. I just wish some of you all had some practical answers that could help Black people move forward financially rather than propping yourselves on that age-old excuse of racism.

Dude, it's folks like you who keep ignoring the elephant in the room and you insist on blaming victims.
Folks have old money, folks get favors, folks get major loans the average Black person wouldn't dare be given.
The S&L crash a few years ago consisted overwhelmingly of White folks and why? Because they were given major loans for any and everything they wanted, yet Black folks are being blamed for not paying back loans.
After their default, these same folks file for bankruptcy and still are able to get more loans. Go figure. Blacks get blamed the most for not paying back loans but aren't the ones causing huge bankruptcies for the nation.

Foreigners who come over here have better opportunities to get loans with little to no interest for up to several years. Mention that.

It irks me to hear folks excuse the enormous advantages White folks are given from the get go, but then have the nerve to criticize Black folks for not knowing how to circumvent and fool the system.

 

[Tony]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

Here's another vantage point...

In rural, primarily agricultural, farming areas, whites get ahead (also) by simply holding decision-making positions. And they use these positions to 'slow' the access to credit and other things, instead of outright denying you. This is how they skirt the 'discrimination' element..

Here's an example. A black farmer and a white farmer both apply for FSA (Farm Service Administration) loans. Both farms are comparable and the requested loan amounts are also. Both farmers submit their paperwork ontime. Most FSA offices are located in the County Seat and are staffed by locals (usually whites). The black farmer has a mistake on his loan application. So does the white farmer. If the white farmer's mistake is merely clerical (like spelling), the local FSA clerk will make the correction and send the loan application to Washington DC. But if the black farmer mas the SAME MISTAKE, the clerk won't make the correction. They'll deny the application and contact the farmer and have him submit the application again. This could take a few weeks. By this time, the white farmer's loan has been processed and he's gotten his money (usually) before March 1st, so he can prepare his land to plant his crops. But by the time the black farmer resubmits his loan, and it gets reviewed (at the local FSA) and then sent to Washington DC, he doesn't get his money until June 1st, several months TOO LATE to properly get his land prepared for planting. What winds-up happening is, in order to get his money ON TIME, the black farmer goes to the local bank and borrows the money (he applied for from FSA). The local bank grants him the loan, because they have proof of the pending FSA loan. So, the black farmer gets his land ready and plants his crops. June 1st comes and he gets his FSA money. Guess where it goes? To the bank to pay off the short-term loan he got (waiting on the FSA). And since the bank usually won't loan more money than he applied for (from the FSA), the farmer still owes the bank the INTEREST (or combo of principal and interest) remaining on the loan. So this ends up costing the black farmer more money just to be able to farm..

And if you have this happen for 3 or 4 years in a row, the black farmers goes out of business because his bank loans outpace whatever he would've made from farming..

This is real. It happens all the time. I know. I know farmers that this happened to... The subtleness of not processing a loan app on time, causes other problems. And then they snowball, and force the farmer to sell his farm in order to pay the loan from the local bank.

Sad..

wow, sounds to me like modern day sharecropping, can a black farmer submit the app to DC himself, bypassing the white locals?

 

[JAG89]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

wow, sounds to me like modern day sharecropping, can a black farmer submit the app to DC himself, bypassing the white locals?

Nope, because everything has to go through the local USDA office before it goes to DC, which still requires congressional approval for funding. It's similar to the Southern University Campus Wide Drainage Project. The U.S. Army Corps of Engineers could not proceed with any works on Southern's campus until Senator Mary Landrieu lobbied for the necessary congressional support. The Southern drainage project was long overdue that should have been push through during the time when Clinton was the POTUS.

http://www.southerndigest.com/news/article_d25e7d56-b44d-11e3-966c-0017a43b2370.html

 

[JROCK]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

I saw it first hand when I was a member of an Employee's Credit Union Board in Virginia. Whites on the board had hand picked the manager so that they could circumvent the loan process by giving themselves, family, and friends large loan amounts ($50k or more) with very low interest rates (2% or less), while poor Black members would go through the loan process with much smaller loan amounts ($8k or less) and higher interest rates (15% or more). Whites on the board had figured out how many times they could circumvent the process in a period before the federal government would investigate them based on their independent audit report.

When I was younger I managed a finance company. While matriculating to become a Branch Manager, I saw first hand white Managers give maximum rates to black consumers and reduced rates to many white customers. Back then in that particular company when all was said and done, (credit check, debt ration analysis, employment/income verfication, Collateral), the final decision was up to the person)s) in the branch that were granted loan lending limits (usually the branch mgr). You can please believe with all things equal there are a lot of subjective decisions being made....:tup:

 

[SUJagFan]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

Dude, it's folks like you who keep ignoring the elephant in the room and you insist on blaming victims.
Folks have old money, folks get favors, folks get major loans the average Black person wouldn't dare be given.
The S&L crash a few years ago consisted overwhelmingly of White folks and why? Because they were given major loans for any and everything they wanted, yet Black folks are being blamed for not paying back loans.
After their default, these same folks file for bankruptcy and still are able to get more loans. Go figure. Blacks get blamed the most for not paying back loans but aren't the ones causing huge bankruptcies for the nation.

Foreigners who come over here have better opportunities to get loans with little to no interest for up to several years. Mention that.

It irks me to hear folks excuse the enormous advantages White folks are given from the get go, but then have the nerve to criticize Black folks for not knowing how to circumvent and fool the system.

What's your answer, JayRob?

Moan and groan about these "advantages" that white folks have?

I'd rather figure out what I can do to put myself on the same financial footing as them. If you look at the actual difference between what middle class white folks have and what middle class black folks have, the difference is not insurmountable. It can actually be overcome with simply more aggressive saving and investing. Financial management.

I'm not impressed with what middle class white people have. Black people can have the same things though it may require us to be a little more aggressive in certain areas. When we start talking about actual dollars and cents, we can do it despite any advantages they may have.

I have to live my life. Do what I can do. I can't spend my time bemoaning what somebody else has and how they got it. Especially when I can have the exact same things if not more than them.

I'm sorry, but what the average white person has is not impressive to me. It's just not. And definitely not something racism is keeping me from.

 

[JROCK]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

Premise of the thread: Why is it easy for Caucasians in small towns and cities to succeed without degrees?

 

[SUJagFan]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

Premise of the thread: Why is it easy for Caucasians in small towns and cities to succeed without degrees?

The question you have to ask is what are y'all calling "success" and is it really easy for them?

What are the actual dollars and cents?

I still say the difference between them and black people is not a gap that can't be overcome despite racism.

 

[JayRob]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

The question you have to ask is what are y'all calling "success" and is it really easy for them?

What are the actual dollars and cents?

I still say the difference between them and black people is not a gap that can't be overcome despite racism.

You missed the point of the thread and now you're overlooking the reasons we gave you as to why lesser educated White folks seem to have it much easier than Blacks with degrees.

 

[JAG89]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

Premise of the thread: Why is it easy for Caucasians in small towns and cities to succeed without degrees?

It's not only institutionalize racism, but it is also inherited racism. Take a place like Lake Providence, LA in East Carroll Parish. Although the town and the parish are majority Black, White folks have owned most of the land since the days of slavery, which is the main reason why that place has the highest income disparity between Blacks and Whites in the country. What SUJagFan does not seem to realize is that a lot of White folks in this country were born with a silver spoon in their mouth and they are not about to give up the advantages they acquired from there ancestors racist past to allow Blacks to gain equal footing.

http://www.cnn.com/2013/10/29/opinion/sutter-lake-providence-income-inequality/index.html

 

[jsupop33]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

I just don't see this high rate of success for whites in small towns.

 

[SUJagFan]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

You missed the point of the thread and now you're overlooking the reasons we gave you as to why lesser educated White folks seem to have it much easier than Blacks with degrees.

None of you have proven that lesser educated white folks have it easier than educated Black folks. Nor have any of you proven that they are more "successful".

 

[SUJagFan]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

I just don't see this high rate of success for whites in small towns.

They don't see it either.

They just enjoy their "po' me, white folks is racist" pity party.

 

[CEE DOG]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

I don't think he is talking about super rich white, but he is referring to the monopoly of the few jobs that are present in those areas given to the majority of white people. Hence many of the blacks like yall who don't go back home or will never go back. I could be wrong, but I don't know. I have never lived or will never live in a small town.

I just don't see this high rate of success for whites in small towns.

 

[jsupop33]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

I don't think he is talking about super rich white, but he is referring to the monopoly of the few jobs that are present in those areas given to the majority of white people. Hence many of the blacks like yall who don't go back home or will never go back. I could be wrong, but I don't know. I have never lived or will never live in a small town.

Okay, now that I do see. those family businesses that get passed down and such. I remember this couple I went to high school with and that got married right after high school. Dude got a HVAC license and she went to nursing school He took over his dad's HVAC company and she became a RN at the local nursing home and they built this nice crib.

I remember after Hurricane Katrina, the local community college back home (pearl river cc) was giving free courses in debris hauling or some mess like that with guaranteed jobs after like 3 months. The jobs were paying like 35 per hour with your own equipment, 30 per hour if you didn't have it. By the time that Christmas break hit, I went home and saw a bunch of my white friends from high school driving around in brand new F-150's after taking advantage of that program. I don't remember hearing of any of my black friends going through that program. Not sure of the reason why.

However, I do notice that most of the black people I came out with who are successful had to leave to find opportunity. In many of those small towns, it is just not set up for us to succeed. Not saying that we can't win but it is tough. Most black men back home with decent jobs I know commute to New Orleans to work everyday.

 

[JayRob]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

None of you have proven that lesser educated white folks have it easier than educated Black folks. Nor have any of you proven that they are more "successful".

Perhaps it's because you're in denial. It doesn't take a rocket scientist to look at who holds power in most small town U.S. A. where populations are mixed. The numbers don't lie. We gave you several examples of how White folks with lesser education have overwhelming advantages over Black folks who actually have to answer to them.
How many times in small town factories have White folks just graduating from high school been given higher positions of authority and higher pay over Black folks just because their dad knows somebody? It's called the "good ole boy" system. I'm sure you've heard of that.

I'll go one step further. How many times have Black males/females, with EQUAL education than White folks been given lower salaries than White males? I ask you to address this matter. Is it racism, the good ole boy system or a "woe is us mentally by Black folks" that White males are routinely given higher salaries when education levels are similar?

 

[JayRob]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

I don't think he is talking about super rich white, but he is referring to the monopoly of the few jobs that are present in those areas given to the majority of white people. Hence many of the blacks like yall who don't go back home or will never go back. I could be wrong, but I don't know. I have never lived or will never live in a small town.

Go to the Mississippi Delta and that'll tell you all you need to know about White racism.

 

[jsupop33]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

Go to the Mississippi Delta and that'll tell you all you need to know about White racism.

man, them white folks in the delta aren't rich bro. Yes, there are some but the majority of them jokers is poor too.

 

[JayRob]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

man, them white folks in the delta aren't rich bro. Yes, there are some but the majority of them jokers is poor too.

Not rich, but more successful in comparison to Blacks with more education. That's why many Blacks end up leaving and moving to Jackson or some other major city.
And when I do drive up through the delta, I hardly ever see Whites in shanty houses nearly more than I see Black folks living in dilapidated conditions, especially when driving up Hwy 49 North through places like Tchula.

 

[SUJagFan]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

Perhaps it's because you're in denial. It doesn't take a rocket scientist to look at who holds power in most small town U.S. A. where populations are mixed. The numbers don't lie. We gave you several examples of how White folks with lesser education have overwhelming advantages over Black folks who actually have to answer to them.
How many times in small town factories have White folks just graduating from high school been given higher positions of authority and higher pay over Black folks just because their dad knows somebody? It's called the "good ole boy" system. I'm sure you've heard of that.

I'll go one step further. How many times have Black males/females, with EQUAL education than White folks been given lower salaries than White males? I ask you to address this matter. Is it racism, the good ole boy system or a "woe is us mentally by Black folks" that White males are routinely given higher salaries when education levels are similar?

Numbers? Numbers!

Show me those numbers, JayRob. Show me actual numbers that say uneducated white folks are more "successful" than educated Black folks. I've been asking for those numbers, but all y'all have is "white folks is racist" ranting with no proof of anything.

These regular white folks scattered across this country are not wealthy, man. No matter how much you want to believe they are so much better off than you, they're not.

 

[SUJagFan]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

The problem with you people is that you all have a deep-seated inferiority complex. Y'all actually believe you're inferior to other people. You won't say it, but your thoughts and actions prove that you believe you're inferior.

That was the whole purpose of racism and segregation. To make you folks believe you were inferior. Whether you actually were inferior or not. And it has worked wonderfully on you guys.

Not only do you "know" you're inferior, you "know" who is responsible and you "know" you're helpless to do anything about it.

You guys have been thoroughly brainwashed.

So sad. :shame:

 

[JAG89]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

All one has to do is go to the court house of these small towns and make list of all the property owners. Sort the list by who owns the most property. I bet 90% or more of the properties in those small towns are owned by Whites, whose family has owned the land since slavery. I'm from Louisiana second largest parish by land mass (Rapides), with a population just over 135,000. The most property that a Black man owns in that parish is approximately 300 acres, whereas the property that surrounds his property is owned by a rich White family, the Roy O. Martin family. The Martin family has been in the timber business for years. They are one of the largest land owners in the State of Louisiana. Although the Black man owns a large tract of land, he can't do anything with it since his land is surrounded by the Martin family’s land. The Martin family owns a lot of land in Allen Parish, a parish that is just south of my hometown. When I worked engineering in my hometown, White co-workers would joke about how the City of Oakdale, a city with of population approximately 8,000 in Allen Parish would need the Martin family's permission to expand, since they own all the adjacent properties that surround Oakdale. A lot of these towns are poor because of who control the land and the natural resources on the land, which are mainly rich White families. Blacks would have to take control of some of the natural resources on the land or raw commodities to have a chance of being on equal footing with Whites in Small Town USA. Greenwood, Oklahoma near Tulsa, OK or "The Black Wall Street" was the closest place that Blacks came to controlling enough land and its natural resources to be considered successful and we all know what eventually happen to it.

 

[JAG89]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

Since you say Blacks have an inferiority complex, what do you suggest that we need to do to rid ourselves of this inferiority complex?

The problem with you people is that you all have a deep-seated inferiority complex. Y'all actually believe you're inferior to other people. You won't say it, but your thoughts and actions prove that you believe you're inferior.

That was the whole purpose of racism and segregation. To make you folks believe you were inferior. Whether you actually were inferior or not. And it has worked wonderfully on you guys.

Not only do you "know" you're inferior, you "know" who is responsible and you "know" you're helpless to do anything about it.

You guys have been thoroughly brainwashed.

So sad. :shame:

 

[SUJagFan]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

All one has to do is go to the court house of these small towns and make list of all the property owners. Sort the list by who owns the most property. I bet 90% or more of the properties in those small towns are owned by Whites, whose family has owned the land since slavery. I'm from Louisiana second largest parish by land mass (Rapides), with a population just over 135,000. The most property that a Black man owns in that parish is approximately 300 acres, whereas the property that surrounds his property is owned by a rich White family, the Roy O. Martin family. The Martin family has been in the timber business for years. They are one of the largest land owners in the State of Louisiana. Although the Black man owns a large tract of land, he can't do anything with it since his land is surrounded by the Martin family’s land. The Martin family owns a lot of land in Allen Parish, a parish that is just south of my hometown. When I worked engineering in my hometown, White co-workers would joke about how the City of Oakdale, a city with of population approximately 8,000 in Allen Parish would need the Martin family's permission to expand, since they own all the adjacent properties that surround Oakdale. A lot of these towns are poor because of who control the land and the natural resources on the land, which are mainly rich White families. Blacks would have to take control of some of the natural resources on the land or raw commodities to have a chance of being on equal footing with Whites in Small Town USA. Greenwood, Oklahoma near Tulsa, OK or "The Black Wall Street" was the closest place that Blacks came to controlling enough land and its natural resources to be considered successful and we all know what eventually happen to it.

Great example. This is going to prove my point.

JAG89, I'm looking for property all the time. You don't have to go to the courthouse anymore to get this information as most parishes and counties have it online. I've have seen what you're saying and I know it's true. You do have some large landowners who have had land for many years. That's true. I also know a family like that. They own so much property that they cut a million dollars worth of timber off their land each year and that's what the family lives on. Hire somebody to cut it. Hire somebody to replant it. Collect a check.

However, even in your example, that's just one man. One family. From my experience of researching this, these people make up less than 10% of the population. The other large landholders are corporations. Businesses. And the state. The rest of the land is owned by individuals who have small parcels of land. Usually only the home they live in. Most of the white people you see fall into that category.

Every white person you see is not sitting on thousands of acres of land passed down from slavery. About 90% percent of them, if they own any land at all, only own the property their house is sitting on. That's it.

The premise of this thread, as you put it, was to compare average uneducated white people to educated Black people.

Yes, people like the Martin family are on another level. But, the rest of the white people in that parish - especially the uneducated ones - are not doing anything spectacular. Not doing anything that you can't accomplish.

 

[JAG89]

Re: Why is it easy for Caucasians in small towns and cities to succeed without degree

I hear what you are saying, but that 10% of rich White families are the main reason why there's an income disparity between Blacks and Whites in Small Town USA. When it comes to employment, who do you think they would hire first, a poor White or a poor Black? The only way Blacks can take control of the economy in their home town, they would have to wrestle control of the land out of the hands of the rich White families, which is just the first step to controlling their own destiny.

Great example. This is going to prove my point.

JAG89, I'm looking for property all the time. You don't have to go to the courthouse anymore to get this information as most parishes and counties have it online. I've have seen what you're saying and I know it's true. You do have some large landowners who have had land for many years. That's true. I also know a family like that. They own so much property that they cut a million dollars worth of timber off their land each year and that's what the family lives on. Hire somebody to cut it. Hire somebody to replant it. Collect a check.

However, even in your example, that's just one man. One family. From my experience of researching this, these people make up less than 10% of the population. The other large landholders are corporations. Businesses. And the state. The rest of the land is owned by individuals who have small parcels of land. Usually only the home they live in. Most of the white people you see fall into that category.

Every white person you see is not sitting on thousands of acres of land passed down from slavery. About 90% percent of them, if they own any land at all, only own the property their house is sitting on. That's it.

The premise of this thread, as you put it, was to compare average uneducated white people to educated Black people.

Yes, people like the Martin family are on another level. But, the rest of the white people in that parish - especially the uneducated ones - are not doing anything spectacular. Not doing anything that you can't accomplish.