Straight Black Men Are the White People of Black People

[Knock_Twice]

Yes, you need money to go to school, but going to community college isn't as expensive as majority institutions and isn't that hard. People do that shit all the time. And yes, you'll have to take out a loan, but that's true for everybody, not just the poor. In fact, in some ways it's easier for the poor, because there are income based funding options.

Home loans are not the same as business loans. I go to church with a chick that works in the Small Business Administration. She gave a seminar at the church on this shit. Because of certain government programs, banks are incentivized to provide money for minority owned businesses. There is literally money earmarked for it that doesn't get used. No one is saying shit is fair, but black people have to stop taking isolated incidents of systemic racism and using them as excuses not to try.

Lol,

Man you can try, but that doesn't mean that you'll get approved.

That chick that gave that semenair, I'm willing to bet you that she's just the person that fills out the application to get it submitted.

She aint doing the approving of the loan, she aint no under-writer that's dispersing out the funds, I'm willing to bet you everything in my pocket

The underwriter who majority are white, or non-black, are the ones that gives the green light. That black chick, if I was to guess, is the one that knows the steps and the one that's submitting your application to get approve for the loan, she aint approving nothing breh, IMO Lol

 

[5th Letter]

Dude, you really have to stop acting like I'm not answering your questions just because you don't like my answers. You asked me what measures will be in place. My answer was that there is no set of measures that is guaranteed to protect communities from the government or the system in place. You can get everybody in the neighborhood tooled up and ready to kill any white person that comes with some foolishness and that won't stop another "Crack Era" or "AIDS epidemic." There are just too many ways to attack a community. However, as I posted, in today's world, the more powerful a community is, the harder it is to tear it down. Look at the Jewish community as an example. My post was not tangential. I simply rejected your idea that you need some foolproof protection and explained why we should try to build up our community in spite of the vulnerabilities it may have.

You’re going off on a tangent. If I ask you how to get to point B from point A, you answer was the equivalent of “well there is no foolproof way of getting to point B without a potential accident occurring or your vehicle breaking down. I’m asking you what measures needs to be made to ensure our protection. I need something tangible. So when I ask how do I get from point A to point B your answer should be the equivalent of car train or bus. What are tangible solutions?

 

[Knock_Twice]

And you'd be wrong. I can't say how many out of that 100 would get it, but if niggas developed strong business plans and could convince the bank that they'd get a good RoI, they'd get a loan. Again, I'm not claiming it's fair. The black men would likely have to bank shop more than whites in the same position, but if you think that all 100 would get turned down, then you really don't know how this shit works. My brother in law came out of jail, and he and some cats he met in their got the capital they needed to start a business they came up with while in jail all because they knew how to sell themselves and the idea. Now how many dudes in here are in a worse position than that?

What race your brother-in-law and those dudes are?

How much did they get?

How much is the interest rate on top of the loan that was approved?

You may not know, which is cool, but my point is:

Thinking it's an easy thing to do as you type out the words isn't the case, it doesn't work like that, if it did, there would be more business opportunities for black men and women.

Niggas can develop something simple as an Ice cream or Snow ball stand and need 6k-10k for start-up funds, and I'm willing to bet that they wouldn't get it from a bank, they'll have to pool their own money to start it up just like how most do that run these snow-ball stands etc.

Niggas can't even get a small loan to open up a barbershop Lol

 

[The Lonious Monk]

Lol,

Man you can try, but that doesn't mean that you'll get approved.

That chick that gave that semenair, I'm willing to bet you that she's just the person that fills out the application to get it submitted.

She aint doing the approving of the loan, she aint no under-writer that's dispersing out the funds, I'm willing to bet you everything in my pocket

The underwriter who majority are white, or non-black, are the ones that gives the green light. That black chick, if I was to guess, is the one that knows the steps and the one that's submitting your application to get approve for the loan Lol

lol No bruh, she was an Obama appointee that worked for the SBA pushing policy and performing community outreach. Basically, her whole job consisted of going from community to community helping minorities open up small businesses. She knows what she's talking about. Even in the short time I've known her, she's helped several people in the church open their own businesses.

If you're determined to believe that black people can't get loans, then I can't change that. But that's part of the problem that we face, is that niggas are always looking for a reason to defeat themselves. I went to school with plenty of niggas like that. Cats would hit me with "I don't know why you making good grades in school. You think the white man going to let you get his money. " Where the fuck would I be if I just bowed my head and went along with that line of thinking. That's the same line of thinking you're using. There are black entrepreneurs out there getting loans everyday, but you're on here pushing the false narrative that it doesn't or can't happen. Shit like that is as harmful to our community as anything the white man does.

 

[The Lonious Monk]

You’re going off on a tangent. If I ask you how to get to point B from point A, you answer was the equivalent of “well there is no foolproof way of getting to point B without a potential accident occurring or your vehicle breaking down. I’m asking you what measures needs to be made to ensure our protection. I need something tangible. So when I ask how do I get from point A to point B your answer should be the equivalent of car train or bus. What are tangible solutions?

That's a bad analogy. A better one is that your questions was "What guarantee is there that I can get to point B from point A without getting stopped by a cop?" My answer was "You have no guarantee, but sitting here waiting on a guarantee won't help you, so you should try to make the trip and equip yourself as best you can to deal with the cop if that encounter happens." Again, that wasn't a tangent. It was a direct response to your question, but once again, since you didn't like the response, you are dismissing it as a tangent. That's a childish way of holding a conversation.

Now if you really are asking what we can do to build our community in spite of the adversity that faces us, I've already answered that and proposed steps that can be taken. Once again, you're just ignoring what I say to continue the argument.

 

[The Lonious Monk]

What race your brother-in-law and those dudes are?

How much did they get?

How much is the interest rate on top of the loan that was approved?

You may not know, which is cool, but my point is:

Thinking it's an easy thing to do as you type out the words isn't the case, it doesn't work like that, if it did, there would be more business opportunities for black men and women.

Niggas can develop something simple as an Ice cream or Snow ball stand and need 6k-10k for start-up funds, and I'm willing to bet that they wouldn't get it from a bank, they'll have to pool their own money to start it up just like how most do that run these snow-ball stands etc.

Niggas can't even get a small loan to open up a barbershop Lol

All of them are black. I don't know how much they got, but the business is worth millions now, so it was enough for them to be successful.

And nowhere did I say, shit was easy. Very little in life is easy. I'm saying its possible. And I don't understand how you can make claims like "Niggas can't even get a small loan to open up a barbershop" when literally every black neighborhood you go to has at least one black owned barbershop. You're seriously on here pushing false narratives about what's possible, and to what end? Do you have a vested interest in blacks not trying to succeed or something? I don't get it.

 

[Knock_Twice]

lol No bruh, she was an Obama appointee that worked for the SBA pushing policy and performing community outreach. Basically, her whole job consisted of going from community to community helping minorities open up small businesses. She knows what she's talking about. Even in the short time I've known her, she's helped several people in the church open their own businesses.

If you're determined to believe that black people can't get loans, then I can't change that. But that's part of the problem that we face, is that niggas are always looking for a reason to defeat themselves. I went to school with plenty of niggas like that. Cats would hit me with "I don't know why you making good grades in school. You think the white man going to let you get his money. " Where the fuck would I be if I just bowed my head and went along with that line of thinking. That's the same line of thinking you're using. There are black entrepreneurs out there getting loans everyday, but you're on here pushing the false narrative that it doesn't or can't happen. Shit like that is as harmful to our community as anything the white man does.

Lol

Ok, as I stated, a spokesperson for the SBA doing community work. She aint approving 5k-1 million dollar small loans and construction loans Lol

She just telling the community what's all out there to (maybe) get. I aint mad at that because we as black ppl need to know, but we also need to know who is doing the approving of these loans and what it all takes to get these loans.

I can look around and see black ppl have a hard time getting small business loans over 20k. There's no defeat in observation breh Lol. Like I stated who do you think is doing the under-writing for these applications and approving these loans, that black lady who came to your church and spoke huh? Lol

What if I can show you something that indicate how black ppl are not getting small business loans as you may think

Good grades and these articles indicate how blacks ppl are not getting business loans


https://www.fundera.com/business-loans/guides/minority-business-loans

https://www.vox.com/sponsored/cards...ess-owners-have-a-hard-time-accessing-capital

https://thinkprogress.org/black-small-business-owners-get-left-out-of-loans-3c7fc0d05b2d/

https://bossip.com/1150218/race-mat...ast-likely-to-get-a-business-loan-from-banks/


Man black ppl aint getting approved for business loans like you think breh. You can think that, but I think you may need to see and understand the reality of it.

 

[The Lonious Monk]

Lol

Ok, as I stated, a spokesperson for the SBA doing community work. She aint approving 5k-1 million dollar small loans and construction loans Lol

She just telling the community what's all out there to (maybe) get. I aint mad at that because we as black ppl need to know, but we also need to know who is doing the approving of these loans and what it all takes to get these loans.

I can look around and see black ppl have a hard time getting small business loans over 20k. There's no defeat in observation breh Lol. Like I stated who do you think is doing the under-writing for these applications and approving these loans, that black lady who came to your church and spoke huh? Lol

What if I can show you something that indicate how black ppl are not getting small business loans as you may think

Good grades and these articles indicate how blacks ppl are not getting business loans


https://www.fundera.com/business-loans/guides/minority-business-loans

https://www.vox.com/sponsored/cards...ess-owners-have-a-hard-time-accessing-capital

https://thinkprogress.org/black-small-business-owners-get-left-out-of-loans-3c7fc0d05b2d/

https://bossip.com/1150218/race-mat...ast-likely-to-get-a-business-loan-from-banks/


Man black ppl aint getting approved for business loans like you think breh. You can think that, but I think you may need to see and understand the reality of it.

Again, I never said it was easy. But you're on here acting like its impossible and it's not. Yes, it's harder for black people to do it than whites. You can say that about everything. That doesn't mean it can't be done, and it doesn't mean you shouldn't try. You're basically on here arguing that because it won't be easy, we shouldn't even try. That's crazy. It almost sounds like you're a plant. lol Cause I don't know why anyone who is down for the community would think like that.

 

[Knock_Twice]

All of them are black. I don't know how much they got, but the business is worth millions now, so it was enough for them to be successful.

And nowhere did I say, shit was easy. Very little in life is easy. I'm saying its possible. And I don't understand how you can make claims like "Niggas can't even get a small loan to open up a barbershop" when literally every black neighborhood you go to has at least one black owned barbershop. You're seriously on here pushing false narratives about what's possible, and to what end? Do you have a vested interest in blacks not trying to succeed or something? I don't get it.

Breh you may want to read your post again, because you used the word (easy) and (poor) to get loans for school, re-read your post breh.

I'm saying it's possible to, everything is possible, having a black woman as U.S. President is possible, but what you are not saying as @5th Letter stated, you leaving out the tangible and reality part of how this possible feat can get accomplished.

Every black neighborhood has a barbershop and you think a bank loan is attached to their start-up??

You think every barbershop in every black, not even every black, I'll say half, is funded by a small business loan from a bank? Lol

Breh,

A black barbershops that is in a black neighborhood, or hood, that owner of that shop, hasn't put together no/any business plan to be submitted to any bank in their city

Nor has a small business loan application has been filled out and submitted to any bank to get approved by a White under-writer to get funding to start up that black barbershop Lol

As many black barbershops in your hoods, black communities, how many niggas are saying "man I gotta get this small business loan approve" to get my barbershop open Lol. Man come on breh.

If that was the case, Let's say these black barber owners were getting these small business loans to open up their barbershops, then wouldn't they be able to get other small business loans to start-up more businesses?

 

[The Lonious Monk]

Breh you may want to read your post again, because you used the word (easy) and (poor) to get loans for school, re-read your post breh.

I'm saying it's possible to, everything is possible, having a black woman as U.S. President is possible, but what you are not saying as @5th Letter stated, you leaving out the tangible and reality part of how this possible feat can get accomplished.

Every black neighborhood has a barbershop and you think a bank loan is attached to their start-up??

You think every barbershop in every black, not even every black, I'll say half, is funded by a small business loan from a bank? Lol

Breh,

A black barbershops that is in a black neighborhood, or hood, that owner of that shop, hasn't put together no/any business plan to be submitted to any bank in their city

Nor has a small business loan application has been filled out and submitted to any bank to get approved by a White under-writer to get funding to start up that black barbershop Lol

As many black barbershops in your hoods, black communities, how many niggas are saying "man I gotta get this small business loan approve" to get my barbershop open Lol. Man come on breh.

If that was the case, Let's say that they were getting these small business loans for start-up then they would be able to get small business loans to start-up more businesses

lol For the "easy" and "poor" I was talking about school loans and funding to go to community college. That is easy to get. And sometimes it is easier for a poor person to get the funding that middle class person, because a person from the middle class is often disqualified from some of the funding options.

Bruh, I can't even continue this argument with you. Maybe where we come from is just too different. I've lived in FL, GA, SC, NC, VA, and now MD and have visited damn near every state in the country at this point. In everyone of those places I lived or spent time in majority black areas, and yes, in every one of those places I either went to or knew of black barbers that went through the process of getting loans so they could open their own businesses.

And your last sentence doesn't even make sense to me. If a dude opens his own barbershop, what does that have to do with getting more small business loans. Who's to say he even wants to open up any other businesses?

No offense, but I hope no one listens to you if they got plans for the future. You seem to be the type told other back from accomplishing shit rather than helping them do it.

 

[5th Letter]

That's a bad analogy. A better one is that your questions was "What guarantee is there that I can get to point B from point A without getting stopped by a cop?" My answer was "You have no guarantee, but sitting here waiting on a guarantee won't help you, so you should try to make the trip and equip yourself as best you can to deal with the cop if that encounter happens." Again, that wasn't a tangent. It was a direct response to your question, but once again, since you didn't like the response, you are dismissing it as a tangent. That's a childish way of holding a conversation.

Now if you really are asking what we can do to build our community in spite of the adversity that faces us, I've already answered that and proposed steps that can be taken. Once again, you're just ignoring what I say to continue the argument.

If you asked me that question. A suggestion would be to create a super pac among the most influential people of these communities and get these politicians in their pockets to pass certain bills and laws in our favor. See is that so hard to do? Now you got be an answer. What tangible thing must be done to ensure protection in these communities?

I’m not dismissing anything you’re saying you’re simply talking around the issue.

 

[The Lonious Monk]

If you asked me that question. A suggestion would be to create a super pac among the most influential people of these communities and get these politicians in their pockets to pass certain bills and laws in our favor. See is that so hard to do? Now you got be an answer. What tangible thing must be done to ensure protection in these communities?

I’m not dismissing anything you’re saying you’re simply talking around the issue.

I really don't understand the point you're trying to make. I didn't talk around anything. You asked me what measures could be put in place to ensure protection in the communities. My answer was that there is no set of measures that can completely ensure protection. Again, you didn't like that answer, so you're trying to dismiss it. Now if you weren't talking about ensuring protection, and were really just asking about potential measures that could be taken to reduce the effects of potential attacks from white supremacists, that's fine. But if you can come up with an answer to that question yourself, what is the point of asking me? Are you trying to stump me or set me up for a gotcha moment or something?

On a sidenote, I believe we should get money out of politics, so I'm against super pacs and things of that nature. So that would nullify your idea, however, on the flip side it would make it harder for rich white supremacists to use their money to push racist legislation anyway, so it could serve the same purpose.

 

[5th Letter]

I really don't understand the point you're trying to make. I didn't talk around anything. You asked me what measures could be put in place to ensure protection in the communities. My answer was that there is no set of measures that can completely ensure protection. Again, you didn't like that answer, so you're trying to dismiss it. Now if you weren't talking about ensuring protection, and were really just asking about potential measures that could be taken to reduce the effects of potential attacks from white supremacists, that's fine. But if you can come up with an answer to that question yourself, what is the point of asking me? Are you trying to stump me or set me up for a gotcha moment or something?

On a sidenote, I believe we should get money out of politics, so I'm against super pacs and things of that nature. So that would nullify your idea, however, on the flip side it would make it harder for rich white supremacists to use their money to push racist legislation anyway, so it could serve the same purpose.

I kept asking this question because you did not answer it. You kept going around the question, but I already know why you refuse to give a tangible response though... but it’s not about “liking the answer” because if I didn’t like your answer I’d tell you I disagree with your response. But it’s neither here nor there, and when I said protection what else would I be talking about? Now, that I gave you an example of a tangible answer will you respond or are you going to keep going off on tangents and deflecting?

 

[The Lonious Monk]

I kept asking this question because you did not answer it. You kept going around the question, but I already know why you refuse to give a tangible response though... but it’s not about “liking the answer” because if I didn’t like your answer I’d tell you I disagree with your response. But it’s neither here nor there, and when I said protection what else would I be talking about? Now, that I gave you an example of a tangible answer will you respond or are you going to keep going off on tangents and deflecting?

On a local level, blacks could be more involved in the politics to ensure that people from inside the community are the ones on county councils and similar bodies so that outsiders aren't able to funnel money away as is the case in many black areas.

In general, blacks could stop blindly following corporate democrats and instead use what political capital and power we have to only support candidates that specifically address issues related to us.

If the community was sufficiently unified, it could apply long term boycotts on any corporations that supported legislation and policies that hurt blacks.

Again, those examples apply more to the city, county, and state level, but honestly a lot damaging practices are performed at more local levels.

 

[5th Letter]

On a local level, blacks could be more involved in the politics to ensure that people from inside the community are the ones on county councils and similar bodies so that outsiders aren't able to funnel money away as is the case in many black areas.

In general, blacks could stop blindly following corporate democrats and instead use what political capital and power we have to only support candidates that specifically address issues related to us.

If the community was sufficiently unified, it could apply long term boycotts on any corporations that supported legislation and policies that hurt blacks.

Again, those examples apply more to the city, county, and state level, but honestly a lot damaging practices are performed at more local levels.

That’s all fine and all but. No tangible solutions to my question?

 

[The Lonious Monk]

That’s all fine and all but. No tangible solutions to my question?

lol So putting money in a super pac is a tangible solution, but controlling the county councils that basically dictate how the money in the area of a particular community is spent isn't a tangible? lol ok. Fun fact: That's actually something we did in an area I used to live where most of the tax money in the county was being funneled to the 1 out of 6 schools that was majority white. But hey, you got it.

 

[5th Letter]

lol So putting money in a super pac is a tangible solution, but controlling the county councils that basically dictate how the money in the area of a particular community is spent isn't a tangible? lol ok. Fun fact: That's actually something we did in an area I used to live where most of the tax money in the county was being funneled to the 1 out of 6 schools that was majority white. But hey, you got it.

Ok I don’t want to belabor the issue any longer. Your idea is fine but it’s not a tangible solution in terms of providing any semblance of protection for the black community. But we’re going around in circles. So peace.

 

[Knock_Twice]

lol For the "easy" and "poor" I was talking about school loans and funding to go to community college. That is easy to get. And sometimes it is easier for a poor person to get the funding that middle class person, because a person from the middle class is often disqualified from some of the funding options.

Bruh, I can't even continue this argument with you. Maybe where we come from is just too different. I've lived in FL, GA, SC, NC, VA, and now MD and have visited damn near every state in the country at this point. In everyone of those places I lived or spent time in majority black areas, and yes, in every one of those places I either went to or knew of black barbers that went through the process of getting loans so they could open their own businesses.

And your last sentence doesn't even make sense to me. If a dude opens his own barbershop, what does that have to do with getting more small business loans. Who's to say he even wants to open up any other businesses?

No offense, but I hope no one listens to you if they got plans for the future. You seem to be the type told other back from accomplishing shit rather than helping them do it.

How does it not make any sense breh Lol.

You said that if a black man gets a small business loan for opening up one business, you stated that, that's the only thing that he would want to do? Now does that make any sense?

100 black barbers only want to get a small business loan just to open up a barbershop business?

Getting a small business loan as a black man or woman is dayum near impossible breh. You know how clean your slate has to be, and if it's clean, that draws red flags to the under-writer for him or her to put you through more B.S., Did you know this? Do you know the type of questions that comes back to you when they find out that you have a clean slate and you check off everything on their list? Lol, The average black man or woman, don't even make it to that point.

Like I stated, 200 of dudes on this site, black men and add the 20 ladies on here and I'll bet you anything you want, that outta the 220, only 3-8 would get approve for a small business loan that's 20k or better, hell I don't see them even getting approved for 10k-15 to start up a business.

How does this not make any sense Lol, when I provided you links that states black ppl have a hard time getting small business loans lol.

Breh, are you even reading what you're typing,

Black Barbers are getting small business loans?? to do what with, buy clippers breh? chairs? what are they buying with these so call small business loans? Oh you think they are buying the actual building or building a building to operate out of huh? Come on breh, let's make it make sense.

So a barber needs a 5k -10k small business loan to buy some clippers and some liners?

Breh most of the equipment that these barbers use, you do know it's not new, you do know it's in ok condition, so when was the last time you walked into a black barbershop, in a black hood, or black community that had spanking brand new shit? Last time I see new shit in a barbershop was Nappy Cuts on Barbershop 2 lol,

Most of your barbers are paying rent to someone who owns their spot that they are working out of? Last time I checked, aint no bank giving out small business loans to pay rent

You seen Barbershop the movie, how many time Calvin went to the bank Lol, Hell did you see any new stuff in that shop? Lol, come on man. He could have gotten a small business loan to get new chairs etc? But that's a movie, just an example of how off your post sounds.

If that barber is not 50 years or older, more than likely, that barber is not owning the building he works out of, unless it's his house. A small few may own the building from it being passed down by their father or maybe a some kinfolk, but if that's the case, they didn't get the building by going through a bank and getting a small business loan to draw a purchase agreement to get that building Lol

Make it make sense breh

 

[SeaSnake]

Wtf yall been talking about?

 

[The Lonious Monk]

Wtf yall been talking about?

Lol We been to Hell and back with this convo. My dog @Knock_Twice just wrote a novel.