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T Quotes

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“To solve the inability of middle-class renters to purchase single-family homes for the first time, Congress and President Roosevelt created the Federal Housing Administration in 1934. The FHA insured bank mortgages that covered 80 percent of purchase prices, had terms of twenty years, and were fully amortized. To be eligible for such insurance, the FHA insisted on doing its own appraisal of the property to make certain that the loan had a low risk of default. Because the FHA's appraisal standards included a whites-only requirement, racial segregation now became an official requirement of the federal mortgage insurance program. The FHA judged that properties would probably be too risky for insurance if they were in racially mixed neighborhoods or even in white neighborhoods near black ones that might possibly integrate in the future. When a bank applied to the FHA for insurance on a prospective loan, the agency conducted a property appraisal, which was also likely performed by a local real estate agent hired by the agency. as the volume of applications increased, the agency hired its own appraisers, usually from the ranks of the private real estate agents who had previously been working as contractors for the FHA. To guide their work, the FHA provided them with an Underwriting Manual. The first, issued in 1935, gave this instruction: 'If a neighborhood is to retain stability it is necessary that properties shall continue to be occupied by the same social and racial classes. A change in social or racial occupancy generally leads to instability and a reduction in values.' Appraisers were told to give higher ratings where '[p]rotection against some adverse influences is obtained,' and that '[i]mportant among adverse influences . . . are infiltration of inharmonious racial or nationality groups.' The manual concluded that '[a]ll mortgages on properties protected against [such] unfavorable influences, to the extent such protection is possible, will obtain a high rating.' The FHA discouraged banks from making any loans at all in urban neighborhoods rather than newly built suburbs; according to the Underwriting Manual, 'older properties . . . have a tendency to accelerate the rate of transition to lower class occupancy.' The FHA favored mortgages in areas where boulevards or highways served to separate African American families from whites, stating that '[n]atural or artificially established barriers will prove effective in protecting a neighborhood and the locations within it from adverse influences, . . . includ[ing] prevention of the infiltration of . . . lower class occupancy, and inharmonious racial groups.”

“To solve the new century's mounting social and environmental problems, people of color activist and white activists need to be able to join forces. But all too often, the unconscious racism of white activists stands in the way of any effective, worthwhile collaboration. The Challenging White Supremacy Workshop is the most powerful tool that I have seen for removing the barriers to true partnerships between people of color and white folks. If the CWS trainings were mandatory for all white activists, the progressive movement in the United States would be unstoppable.”

“To solve the problems created by social media platforms, many politicians are now giving the call to break up big tech. Empowered by their own limited understanding of the matter and blinded by their own biases, their brain has made them believe that impeding the growth of big tech companies will magically give power back to the people. Here they act just like another kind of anti-intellectuals, who can't even perceive the real problem, so they think of breaking up the companies as the ultimate solution. The real problem here is the psychological inability of the human population to use the platforms in a healthy manner.”

“To some believers, being on the pill or using a condom is a nonverbal way of telling God to go to hell.”

“To some Christians today, this world is not a sinking ship or a world reserved for fire. It is an international capitol building overrun with undesirables whom these believers plan to kick out. They will then take their place, renovating and governing it all themselves. Such thinking is symptomatic of a dying love for Jesus and a clinging to this world!”

“To some degree, the critic arises out of that negativity bias in that our brains are oriented towards threat and toward survival. The critic really started as a survivor mechanism in early infancy and childhood when we were trying to navigate our early family system and culture; when we're learning how to fit in so we could optimize that flow of love and affection. It was an internal voice telling us to shut certain patterns and reactions down, that negativity bias that's always looking for what's wrong, looking for the threat.”

“To some extent, this urge to break out of the ordinary is present in every generation. Part of being young is desiring something beyond everyday life and a secure job, a yearning for something really truly greater. Is this simply an empty dream that fades away as we become older? No! Men and women were created for something great, for infinity. Nothing else will ever be enough.”