Tuesday, November 25, 2014
The Racist Housing Policies That Helped Fuel the Anger in Ferguson
http://thinkprogress.org/economy/2014/08/14/3471237/ferguson-housing-segregation/ DUE 1 DECEMBER 2014. What is segregation? What does the term REDLINING mean and how did this affect black families in Missouri? According to this article, how is this racial segregation is affecting the economics of this community? What is YOUR solution to this problem?
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Segregation means different racial groups are separated from other people or things. This meant black people or other races are not allowed in white schools or banks. The term “Redlining” means denying certain racial groups houses, banking, services and more. Missouri had a redlining election in 1916 where many black families were designate to areas known as “Negro Blocks. Relators were allowed to sell homes in these “unrestricted zones”. Due to these “unrestricted zones” the Home Owner’s Loan Corporation also played a part in segregated economics. Black residents were unable to receive mortgages with lower interest rates and down payments. Black families were stuck in these restricted areas. The racial segregation affected the household value of homes. Since black people could not buy homes, and discriminatory practices depressed the values of homes owned by black people, there is a huge wealth gap. In a common black household has $75,040 in wealth stored in their home, while white households usually hold $217,150. There also been gaps in the average household income in St. Louis County and Ferguson. In Ferguson, the average household income is $37,500, while St. Louis County as a whole it’s $58,500. More black people live in low-income areas because they do not make as much and the past’s housing policies. They should give better mortgages to black people. To undo the Home Owner’s Loan Corporation’s mistake black people should be given better mortgages, so there are able to make more money in the future. If there is economic equilibrium between white people and black people then there would less racial issues. The biggest issue to achieve equality is racial economics. Today, areas that are dominated by black people or white people is due to the major difference in their incomes.
ReplyDeleteThe dictionary definition of segregation is the action or state of setting someone or something apart from other people or things or being set apart. "Redlining" is the practice of denying, or charging more for, services such as banking, insurance, access to health care, or even supermarkets, or denying jobs to residents in particular, often racially determined, areas. It affects Missouri because in 1916 "redlining" was implemented and this caused blacks to "Negro Blocks". It is affecting their economy because it affects the value of their homes. Now there is a huge wealth gap between the two races. The average black household has $75,040 in wealth stored in its home, while the average white one has $217,150. Overall, the gap in wealth between white households and black ones was $84,960 in 2011. In Ferguson, the average household income is $37,500, while St. Louis County as a whole it’s $58,500. My solution to this problem is that when somebody applies for a loan race shouldn't even be a factor. The U.S. government should take action and perhaps implement laws that will help with these problems.
ReplyDeleteBut what is YOUR solution??? What action should the US government take?? Your answer is vague.
DeleteAccording to dictionary.com, segregation means to separate or set apart from others or from the main body or group and redlining is a discriminatory practice by which banks, insurance companies, etc., refuse or limit loans, mortgages, insurance, etc., within specific geographic areas, especially inner-city neighborhoods. After a ballot measure in 1916, Missouri began redlining. Redlining affected and continues to affect black families in Missouri because it led to the creation of “Negro blocks.” These “Negro blocks” later led to “unrestricted zones,” which were areas that people were able to sell property to black people. Outside of these areas, the real estate agents could lose their licenses if they sold to black people. But in 1934, the Federal Housing Administration (FHA) made black families ineligible to receive lower interest mortgages. Due to this, the house values significantly decreased and they were shut out of the mortgage market. The segregation is affecting the economics of this community because of the decreased values of homes of the black families. There is a huge gap in house prices between black and white families. The average white household wealth (stored) valued at $217,150, while the average black household wealth (stored) valued at $75,040. Another major difference is the average income between families living in Ferguson and St. Louis. The average income for a family in Ferguson was $37,500, which is where black families live and the average income for a family in St. Louis was $58,500, which is where white families live. My solution to this problem would be to stop the segregation of Ferguson and St. Louis families. Instead of having one area for high-income people and one area for low-income people, both low and high-income people should be able to live near each other without making it a problem. In doing this, the house values could increase and there would be equality all around, which could also lead to a stabilized economy. A stabilized economy would be the result of equality between blacks and whites.
ReplyDeleteSegregation is the action or state of setting someone or something apart from other people or things or being set apart, and in racial terms, the enforced separation of different racial groups in a country, community, or establishment. Redlining is when people refuse (a loan or insurance) to someone because they live in an area deemed to be a poor financial risk. Redlining in Ferguson began from a ballot measure in 1916, and that created the distribution and creation of “Negro Blocks” which were deemed the only appropriate places for blacks to live. Then, 1923, the St. Louis Real Estate Exchange created unrestricted zones where the realtors were only allowed to sell to blacks, and they could get fired if they tried to sell to others. Because of all of the real estate procedures, the black and white populations became severely segregated. Some neighborhoods were almost all completely black, with an extremely small white population. Also, The Home Owners’ Loan Corporation, started security ratings on the neighborhoods and would give predominantly black neighborhoods D ratings while white ones got A ratings. Working in conjunction with them, then FHA used those similar ratings, which meant blacks missed out on low interest rates and down payments, and the value of their homes decreased. And, to make things worse, the average black household has only $75,040 in wealth stored in its home, while the average white one has $217,150. This problem of segregation continues today, and most people in the U.S. think that racism isn't a problem anymore, when it really still is. What we need to do is eliminate redlining and segregation completely. We need to give equality to blacks and make sure that they get the same benefits and rights as whites do. If we ever want to move past this, we have to embrace the future with new and equal rights for all American citizens.
ReplyDeleteSegregation is the separation of different racial groups in a country or establishment. Redlining, being the practice of denying or charging more for services, has affected black families throughout Missouri. In 1923, the St. Louis Real Estate Exchange included a referendum that created “unrestricted zones,” those neighborhoods that were allowed to be sold to the black population. By 1941, the zones were combined into one restricted district and the exchange began using covenants that the prohibited and restricted the selling and use by blacks. This example of segregation has had affects on the present. These led to the creation of suburbs, as blacks could not enter for the enforcement of restrictions that were made to keep them out. As the average white person lives in a neighborhood that is 75% white and 8% black, the average black person lives in a neighborhood that is 45% black and 35% white. Racial housing had affected parts of a community’s makeup but also the economics. The average black household has about $75,000 of wealth stored in their home as an average white home has more than $84,000. In this case, the creation and use of segregation in Ferguson has been enforced since the early 1900s and even then on. The change in any of regulations will be well over due and in the end will confuse the adapted population. Though, to the population, it may be unlikely to live under the same regulations as different races, segregation can only be defeated by the uniting of people. It is the economics and the regulations that continue to separate the people, and as those being to become more equal, then the people will get use to conditions and will help the overall situation.
ReplyDeleteAccording to the dictionary segregation is the enforced separation of various racial groups in a country, community,or establishment. Redlining in Ferguson has taken place by the FHA who marked black neighborhoods with D's and red coloring making mortgages ineligible for its backing. This practice takes place by banks and insurance companies who refuse or limit loans, mortgages, insurance, etc., within geographic areas like inner city neighborhorhoods. As a result, black families are denied the privilege of purchasing a property. Segregation has caused the average black family to have $75,040 in wealth and the white household $217,150 in wealth. .Most black families were shut out from the mortgage market. The home values have decreased and tbose who can afford to move are trapped in inner city neighborhoods. My solution to this problem is for new housing policies to be established and equal treatment no matter what race you are. Injustice has occurred for many years. With three- fourths of the police department being white and discrimination rampant chaos will sadly continue.
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ReplyDeleteSegregation is the act of segregating, in which this situation was between colored and white people. Redlining is marketing black neighborhoods with D's and red coloring. This made mortgages ineligible for backing. Racial segregation affected economics with blacks being been shut out of purchasing homes, wealth, discriminatory practices depressed values lead to the continuation of a great wealth gap. My solution as with all segregation is understanding that we were all are created equal. Were only able to greater ourselves by our willingness to learn and apply that learning in order to grow. It's the natural evil that makes one thinks that he's better than another, and this great worldwide trend is in desperate need of change.
ReplyDeleteSegregation is the enforced separation of different racial groups in a country, community, or establishment. Redlining is a discriminatory practice that designated specific areas that could be sold to blacks. The Federal Housing Administration would mark black neighborhoods with Ds in red coloring to insure private mortages. This affected black families in Missouri because they were only able to buy what they wanted in areas that Realtors wodecreauld sell them, They also were unable to receive lower interest rates and down payments required for mortgages with FHA backing. Most black families were blocked out of the real mortgage market, the value of their homes decreased substantially, and even the people who could afford to move were unable to because of the restrictions placed on where they lived. According to the article, racial segregation has affected the economics of this community. Given that blacks have not been given the ability of buying homes, and discriminatory practices made the values of those who did manage to buy houses decline. This caused a great gap in wealth between black and white households. My solution to the problem is to provide grants to ghetto areas, to fix up the place and race property values. Also balance the amount of races on the police force in an attempt to cut back on racial tension and fear of being shot due to race.
ReplyDeleteAccording to meriam-webster dictionary, the definition of segregation is the state of being alone or kept apart from others the forced segregation of racial minorities was once widely accepted as a fact of life. The term redlining means, a discriminatory practice by which banks, insurance companies, etc., refuse or limit loans, mortgages, insurance, etc., within specific geographic areas, especially inner-city neighborhoods. In 1916, Missouri had a redlining election which had an extreme effect on the population. The article states, "both white flight and public policy working in tandem. St. Louis began redlining with a ballot measure in 1916, which won by a substantial majority, creating an ordinance that designated some areas as “Negro blocks.” While it was struck down a year later when a similar ordinance in another area was ruled against by the Supreme Court, realtors were undeterred." Then, in 1923 St. Louis Real Estate Exchange adopted a referendum creating “unrestricted zones” in the city’s historically black neighborhoods where members were allowed to sell to black people – but outside of them, they could lose their licenses if they sold a property to a black family. Although, in 1934, the FHA (Federal Housing Administration) put a stop. The article states, "The Federal Housing Administration (FHA), created in 1934 to insure private mortgages, used similar ratings, marking black neighborhoods with Ds and red coloring – hence the term redlining – and usually making those mortgages ineligible for its backing. That meant black residents missed out on the lower interest rates and down payments required for mortgages with FHA backing. Most black families were shut out of the legitimate mortgage market, their home values decreased, and even those who could afford to move were trapped in inner city communities by restrictive covenants." This resulted in many prices decreasing in value. The segregation is affecting the economics of this community because of it decreasing the value of price of these homes. The average black household has $75,040 in wealth stored in its home, while the average white one has $217,150. Overall, the gap in wealth between white households and black ones was $84,960 in 2011. A similar gap is apparent in Ferguson, where the median household income is about $37,500 but in St. Louis County as a whole it’s $58,500. In order to resolve this issue, I believe that segregation should be put to an end. This madness is only creating more madness and not resolving any issues. If segregation between Ferguson and St. Louis was stopped, there would be a lot more peace and unity. I believe that if both whites and black have the same rights and are treated in the same manner, there will be equality and we wouldn't have to deal with all of this harm that is occurring. In the long run, this will therefore enhance our economic system due to the value of prices increasing rather than decreasing.
ReplyDeleteSegregation is the separation of an individual or group of individuals from a larger group, often in order to apply special treatment to the separated individual or group, its Latin root meaning “separated from the flock” according to vocabulary.com. Ferguson, Missouri is the ninth most segregated area between blacks and whites in the United States; the tension just seemed to heighten after the death of Michael Brown. The whites who live in Ferguson work together with the people in higher power, leading to redlining with the tallies of the 1916 election. Redlining is the practice of readily denying or limiting financial services to specific neighborhoods, generally because its residents are people of color or are poor. In result of the redlining, an ordinance was created as some areas called “Negro blocks” but was prohibited by the Supreme Court when another city wanted to do the same thing. Later in 1923, St. Louis Real Estate Exchange coined a new name for them; “unrestricted zones” where they could only sell those houses to blacks, if not they would lose their licenses. Black families in Missouri are now forced to settle in theses “unrestricted zones” because the whites and the people in power are both working together to keep belittling the blacks. Having the D zones, the lowest grade, was mostly composed of blacks, seventy-five percent of people renting or buying homes there. By 1960, about sixty percent of the whites migrated to the city, and the black population was growing, leaving the area predominantly black. The overall population in St. Louis is three-fourths white and a quarter black. With this major separation, the economy suffered as well. Blacks weren't allowed to buy houses, which is a big profit. The gap between black and white wealth was $84,960, whites having $217,150 and blacks $75,040. A major problem Ferguson faces is that the police patrolling the streets are basically all white, only eight percent being black. With the ways things are going with our police force, the black communities would probably feel a whole lot more safe if there were more black police officers so they don’t feel as though they will get arrested or gunned down from walking in the streets. As the days go on this is becoming more and more of a problem, so the longer the people of Ferguson take to make stop the chaos and actually make a difference, but until the people stop all of the madness going on than nothing will change. I don’t think those in power would jump at the chance to help them, so they are going to have to find another way and the economy wouldn't stabilize until those in power agree to help.
ReplyDeleteAccording to www.merriam-webster.com the word segregation means; the separation or isolation of a race, class, or ethnic group by enforced or voluntary residence in a restricted area, by the barriers to social intercourse, by separate educational facilities, or by other discriminatory means. Redlining is a discriminatory practice by which banks, insurance companies, etc., refuse or limit loans, mortgages, insurance, etc., within specific geographic areas, especially inner-city neighborhoods. In St. Louis they did a ballot measure in 1916 and had won to begin redlining, they created an ordinance that designated some areas as “Negro blocks.” Progressively the Negro blocks became “unrestricted zones”. They created these zones in the historically black neighborhoods where members were allowed to sell to black people, but if they sold them outside of the zones then they could lose their licenses, only if they sold property to a black family. But in 1934, the Federal Housing Administration (FHA) made black families ineligible to receive lower interest mortgages. Because of this, the house values significantly decreased and they were shut out of the mortgage market. The segregation is affecting the economics of this community because of the decreased values of homes of the black families. The average black household has $75,040 in wealth stored in tis home, while the average white one was $84.960 in 2011. In Ferguson, which is 67% black is policed by a force that is under 6% black. Police forces over the country is 75% white on average. There is also a huge gap in how urban and suburban residents look at their police forces. The first thing I would do to try and fix all of this is stop segregation immediately. Also maybe to combine everyone together and have a combination of people and try to balance out the race. Have rules and regulation where it’s mandatory to perform if there is any racist acts, and be really strict on it. Another thing is that people now a days don’t really know what racism is anymore, they just think its whatever and think that everything people say to one race is racist. We have to give everyone equal benefits and rights and wealth. We also need to stop redlining. If we do and not just talk, everyone would be happy and equal. If everyone is equal, then the economy will increase because everyone's houses are pretty high and people would sell and buy them more, plus there wouldn't be such a big gap.
ReplyDeleteIn the Webster dictionary segregation means compelling racial groups to live apart from each other. Redlining is denying banks insurance companies to refuse loans in certain areas. This led to some area being known as " Negro blocks". Some members were allowed to sell to black people in unrestricted zones. In 1941, zones were combined into one restricted district, and in the St. Louis exchange they used covenants that restricted use and resale of properties to black people. Also in St.Louis security ratings were common in white neighborhoods and rare in black ones. City's population fell 8% between 2000-2010. The gap in Ferguson households is in the median household where it's income is $37,500, but $58,500 as a whole in St. Louis County. Their should be equal amount of blacks in the police force. Then include people with a respectful attitude towards other races.
ReplyDeleteAccording to Dictionary.com, segregation is the enforced separation of different racial groups in a country, community, or establishment. "Redlining" is the practice of denying, or charging more for services like banking, insurance, access to health care, and even supermarkets, or denying jobs to residents in particular, often racially determined, areas. It affects Missouri because in 1916 "redlining" was implemented which brought about the creation of "Negro Blocks".These “Negro blocks” later led to “unrestricted zones,” which were areas that people were able to sell property to black people. Beyond these areas, the real estate agents could lose their licenses if they sold to black people. This is unfair and unlawful considering we do live in the United States where everyone is SUPPOSED to be equal. It is affecting their economy because it affects the value of homes. The average black household has $75,040 in wealth stored in its home, while the average white one has $217,150. This creates a gap among wealth between two races that can easily be filled if ignorance wasn't a factor.
ReplyDeleteAccording to the Webster Dictionary, segregation is defined as, "the separation or isolation of a race, class, or ethnic group by enforced or voluntary residence in a restricted area, by barriers to social intercourse, by separate educational facilities, or by other discriminatory means". Redlining is when banks, insurance companies, etc. refuse or limit loans, mortgages, insurance given out within specific demographic areas. "Redlining" affected Missouri in 1916, when blacks were limited to "Negro blocks". These "Negro blocks" led to "unrestricted zones" which was an area that African Americans could buy property. Segregation similar to that of 1916 is affecting the economics of this community due to the decreasing value of homes held by black families. The average black household has $75,040 in wealth stored in its home, while the average white one was $84.960 in 2011. In order to avoid the situation that happened in Ferguson - the same one that is happening all over the country - and diminish segregation, I would attempt to create communities of not poor blacks or rich whites, but somewhere in between. I would push for a middle class that includes blacks and whites living out equally content lives. I would also encourage more and more blacks to join figures of authority, such as the police force, to ensure that every demographic is accounted for.
ReplyDeleteThe dictionary definition of segregation is the action or state of setting someone or something apart from other people or things or being set apart. "Redlining" is the practice of denying, or charging more for, services such as banking, insurance, access to health care, or even supermarkets, or denying jobs to residents in particular, often racially determined, areas. Redlining affect St. Louis Missouri when blacks were limited to "Negro Blocks" back in 1916. This eventually led to unrestricted zones which were areas in which African American people can buy property. Economy is being affected due to the fact of the decreasing value of homes held by black families. Now there is a huge wealth gap between the two races. The average black household has $75,040 in wealth stored in its home, while the average white one has $217,150. Overall, the gap in wealth between white households and black ones was $84,960 in 2011. My solution would be to get the law involved so that race is out of the question. We need to make sure that blacks are treated equally with the same benefits and the same rights because if we keep on with race being a negative factor then things will never improve from here.
ReplyDeleteSegregation, according to Merraim-Webster.com, is the practice or policy of keeping people of different races, religions, etc., separate from each other. This took place in Ferguson, Missouri through what is known as redlining. Redlining is the designation of certain zones/neighborhoods as "white blocks" and "Negro blocks", or separating communities based on race. This form of segregation has affected black families in numerous ways. Redlining began in 1916, but it was overturned a year later. In 1923 the St. Louis Real Estate Exchange adopted a referendum which segregated blacks into "unrestricted zones" in which members were able to sell to blacks. If they sold to blacks outside of these zones, however, their licenses could be revoked. In 1941, all zones in St.Louis, Missouri were merged into one restricted zone. This resulted in the St. Louis exchange using covenants, which prohibited blacks from buying or using certain property. The Federal Housing Administration began using race in determining a house's qualification for FHA backing. Most of the houses in black communities were graded low, disqualifying them from receiving FHA backing. As a result, black families were unable to get the low interest rates and down payments that were required for mortgages with FHA backing. Black families lost value in their property, and were unable to leave their neighborhoods because of the restrictive covenants. This segregation had a huge affect on the wealth of whites and blacks. The average black household in the U.S. has $75,040 in wealth stored in its home. The average wealth for a white household is $217,150. In Ferguson the average household wealth is $37,500, but in St. Louis county as a whole the average is $58,500. These are great differences. To solve this issue in Ferguson, Missouri I would suggest that the security of these neighborhoods are not judged based on the predominant race of the community. I would also suggest that the FHA not base its grading system on race. I would suggest a change in these systems because it would attract people of other races to this type of community because there sense of security, when buying a home in such an area, would increase. I also believe that a specific credit score should be required to receive certain loans, regardless of race.
ReplyDeleteWhat does the term REDLINING mean and how did this affect black families in Missouri? According to this article, how is this racial segregation is affecting the economics of this community? What is YOUR solution to this problem?
ReplyDeleteSegregation is the separation of blacks and whites in society. So for example back in the days during segregation whites and blacks were forced to use separate facilities like bathrooms and water fountains. Redlining can be to deny or charge more for certain societal services such as banking healthcare, insurance, jobs etc. Redlining back in the day took practice in denying black people from gaining employment in certain jobs or being able to purchase property in certain zones. In St.Louis Missouri this was the case. African Americans experienced a restriction known as the "Negro Block" which prohibited them from purchasing property unless they were within certain boundaries. This affected the economics of the community by decreasing property values of homes owned by blacks. I would attempt to solve this segregational problem by offering 'economic incentives' (extra points for using my vocal word ;D) in order to retain a racially balanced community. I would go about this by offering tax write-offs for people who live next to someone of the opposite ethnicity. This I understand can be problematic which is also why I'm glad I'm not a politician. Another thought is if we adopt equal income distribution, that way there would be no separation between "classes" and thus races.
Segregation is the separation of certain racial groups, in this case blacks and whites. Segregation is seen in schools, communities and even banks and certain places you shop. The fact that segregation still exists is frustrating especially when Bryce Covert mentions the economy with segregation. Imagine how productive and high our economy would be if there was no racial segregation in buying a house or getting a job. After looking on the top segregated cities in the U.S and seeing my hometown Wayne, New Jersey as number THREE, that really upset me. The term "redlining" means certain banks or insurance companies etc. are discriminatory and won't give a loan to certain racial groups, in this case, the blacks. This effects black families in Missouri by making their community of blacks have houses that are of lower worth and giving low income jobs to the blacks making it harder to get by. Racial segregation is effecting the economics of this community. With not being able to buy a nice house that can be worth a lot on the market in the future, it hurts the economy. The difference in the white household's and black household's wealth is 84,960. How could an economy be strong with that difference in racial groups? My solution to this problem is to get some government intervention. The government should get rid of the "unrestricted zones" and private mortgages. Everything should be publicized because clearly private mortgages and A/D rated zones is discriminatory in itself. There is no way to stop discrimination in some people's minds and the way to lower segregation in cities is to get rid of the private discriminators running businesses.
ReplyDeleteSegregation is the action or state of setting someone or something apart from other people or things (in this case, blacks and whites). Redlining became apparent after Missouri took a ballet in 1916. Redlining is when people refuse something (usually a loan or insurance) to someone because they live in an area believed to be a poor financial risk. Redlining affected Missouri because it created “Negro blocks.” The blocks later led to “unrestricted zones,” which were areas in which people could sell property to black people, although real estate agents could lose their licenses if they did. In 1923, the St. Louis Real Estate Exchange created unrestricted zones where the realtors were only allowed to sell to blacks, and if they sold to other people, they could get fired. Because of all the financial property restrictions, blacks and whites became severely segregated. Neighborhoods would predominately be one race, maybe having a few houses with the opposite race in the whole area. In 1934, the Federal Housing Administration (FHA) made black families ineligible to receive lower interest mortgages. Because of this, the house values decrease and were shut out of the mortgage market. From this, the average black household only had $75,040 saved in the home, while the average white household had $217,150. My solution to this problem would t completely stop the segregation between the Ferguson and St. Louis families. To diminish one problem, both low and high-income households should be able to live near each other, verses only grouping the low and high-income houses together. From this, there would be equality, and the value of the houses could increase.
ReplyDeleteThe segregation in this article is separating blacks and whites in different neighborhoods. Redlining is to refuse to provide someone with loans or insurance because of where they live. It comes from the idea that banks outline low income neighborhoods and classify them as "no-loan" areas. In 1916, in Ferguson, Missouri, blacks were only allowed to buy houses in "Negro blocks." This caused separation between black families and whites. This would also create tension between the two races. Racial segregation is also affecting the economies of this community by lowering the housing value of the houses in the black zones. The average black household has a value of $75,040, while the average white one has a value of $217,150. My solution is to have the government intervene and give subsides or tax breaks to companies that move in to these areas. This will help improve the economy
ReplyDeleteSegregation, as defined by Dictionary.com, is the practice or policy of creating separate facilities within the same society for the use of a minority group. Redlining means refusing or limiting mortgages, insurance, etc., in specific areas, by banks and insurance companies. In 1916, this affected black families because Missouri began redlining. Missouri created "Negro Blocks" which eventually led to the creation of "unrestricted zones" allowing people to sell real estate to blacks only in these areas or they would be punished. According to the article, this racial segregation is affecting the economy of this community because of the unnecessary decrease in value of the homes only available to blacks. The homes allowed to be bought by black families were noticeably lower than those bought by white families just because they were on these "Negro Blocks" even if they were good homes. My solution would be to cut all this segregation and racism in our community. Once they see leaders and govt. stop segregation, our community will become more unified and accepting toward people who they may see as "different".
ReplyDeleteSegregation is to separate or set apart from others or from the main body or group, according to dictionary.com. When people refuse (a loan or insurance) to someone because they live in an area deemed to be a poor financial risk, we call this redlining. Redlining began in ferguson in 1916 because of a ballot that was passed that created “Negro Blocks," which were places appropriate for only blacks to live, and in 1923, the St. Louis Real Estate Exchange created unrestricted zones where houses were only allowed to be sold to blacks in certain areas, and because of all these measures taken, blacks and whites became segregated. Segregation is affecting the economics of the Ferguson community because it's decreasing the value of the property market there. The average black household has about $75,040 in wealth stored in their home, while the average white person has about $217,150. This gap is becoming greater and greater and creating a dramatic incline in not only their crime rate but their economic hardships. Clearly, it would be easy to say there just needs to be a stop in segregation, but it's easier said than done. We need to start treating each other how we would like to be treated. If you would want white cops in your white neighborhood, because it would make you feel more comfortable. Maybe we should do the same for blacks, if they feel more at peace with black cops, that is what we should give them. Why are we not doing everything we can to try and keep peace throughout the world? There is no easy solution but something needs to be done!
ReplyDeleteAccording to www.merriam-webster.com the word segregation means; the separation or isolation of a race, class, or ethnic group by enforced or voluntary residence in a restricted area, by the barriers to social intercourse, by separate educational facilities, or by other discriminatory means. Redlining is a discriminatory practice by which banks, insurance companies, etc., refuse or limit loans, mortgages, insurance, etc., within specific geographic areas, especially inner-city neighborhoods.After a ballot measure in 1916, Missouri began redlining. Redlining affected and continues to affect black families in Missouri because it led to the creation of “Negro blocks.” These “Negro blocks” later led to “unrestricted zones,” which were areas that people were able to sell property to black people.Outside of these areas, the real estate agents could lose their licenses if they sold to black people. But in 1934, the Federal Housing Administration (FHA) made black families ineligible to receive lower interest mortgages.Because of this, the house values significantly decreased and they were shut out of the mortgage market. The segregation is affecting the economics of this community because of the decreased values of homes of the black families.The average white household wealth in store valued at $217,150, while the average black household wealth in store valued at $75,040. Another HUGE difference is the average income between families living in Ferguson and St. Louis. The average income for a family in Ferguson was $37,500, which is where black families live and the average income for a family in St. Louis was $58,500, which is where white families live. My solution would be to give everyone equal rights, benefits, and wealth so the economy can stabilize and make everyone happy. I also think that we should stop redlining. If we do this there will no longer be such a HUGE gap between everyone.
ReplyDeleteWealth?? Should we just divide the money supply among everyone?? Even those who don't work??
DeleteSegregation is the action or state of setting someone or something apart from other people or things or being set apart. Redlining means to refuse (a loan or insurance) to someone because they live in an area deemed to be a poor financial risk. Redlining effects black families in missiouri because it created what they call "negro blocks". In 1923, the St. Louis Real Estate Exchange adopted a referendum creating “unrestricted zones” in the city’s historically black neighborhoods where members were allowed to sell to black people but outside of them, they could lose their licenses if they sold a property to a black family. Racial segregation is affecting the economics of this community blacks have been shut out of buying homes, a huge source of wealth, and discriminatory practices depressed the values of those who did manage to buy houses, it’s no surprise that there continues to be a huge racial wealth gap. The average black household has $75,040 in wealth stored in its home, while the average white one has $217,150. My soultion to this problem is we should try to make everyone feel equal and not feel less because of the race they are. everyone should have equal rights and try to stop relining.
ReplyDeleteSOLUTIONS???
DeleteSegregation is the action or state of setting someone or something apart from other people or things or being set apart. The term "redlining" refers to the practice of charging more, denying, or just being unfair in the areas of banking, insurance, access to health care and even supermarkets. Most of the time, redlining is caused by racial prejudices, and it occurs in areas where segregation is still happening. (Such as Ferguson). Redlining affects black families because, they're denied the basic rights that everybody else gets to have and it's solely due to their skin color. This has also affected the economics of the community. Since black people have been not able to buy homes, (and the ones that were able to buy homes made the value go down) it’s no surprise that there is a huge racial wealth gap. For example, the average black household has $75,040 in wealth stored in its home, while the average white one has $217,150. The way that this can be solved is by attempting to end segregation. That may sound corny and kind of impossible, but it's worth a try. Even if you can;t change a persons beliefs, you can change the law and make them abide to it. Racism is never going to die which is a terrible fact but, it's the honest truth. If we try to integrate the black and white communities in Ferguson, maybe the wealth gap can become smaller, and redlining will disappear. Everybody needs to be treated equally and nobody should be above the law, not even the police. If we practice these basic principles, and educate the youth then this stupid segregation should end,
ReplyDeleteIf you were educating the youth, what would you want them to know?
DeleteSegregation is the action or state of setting someone or something apart from other people or things or being set apart. Redlining can be to deny or charge more for certain societal services such as banking healthcare, insurance, jobs etc. It affects Missouri because in 1916 "redlining" was implemented and this caused blacks to "Negro Blocks". These “Negro blocks” later led to “unrestricted zones,” which were areas that people were able to sell property to black people.Outside of these areas, the real estate agents could lose their licenses if they sold to black people. But in 1934, the Federal Housing Administration (FHA) made black families ineligible to receive lower interest mortgages. Segregation is affecting the economics of the Ferguson community because it's decreasing the value of the property market there.The average black household has $75,040 in wealth stored in its home, while the average white one has $217,150. In Ferguson the average household wealth is $37,500, but in St. Louis county as a whole the average is $58,500. These are great differences. To solve this issue in Ferguson, Missouri I would suggest that the security of these neighborhoods are not judged based on the predominant race of the community. The government should get rid of the "unrestricted zones" and private mortgages. A stabilized economy would be the result of equality between blacks and whites. Which in my opinion, will not happen anytime soon because the trust blacks had for whites is no longer existent.
ReplyDeleteSegregation is the act of setting someone or something apart from other people or things. Redlining is denying mortgage, insurance, or loans to specific geographic areas. This affected families in Missouri because the value of their homes decreased while those of other races held their value. This is causing communities to be primarily white or black because the value of their home is based on race. My solution to this issue is that we should blend neighborhoods. I really don't know. Not everybody wants to be around other races, but they will have to move somewhere else. Everybody can't be pleased in this situation. If we blend neighborhoods, though, there will be some sort of balance. I'm not really sure where people in this country can go if they only want to surround themselves with their kind. Hmm. Maybe they can form communities dedicated to the history of their people to unite their race. I'm not sure if that's a good idea. It's hard to find a balance between pride and segregation because feelings will get hurt. Truth is everybody doesn't want to be around other races; my advice is just stay home and live a sheltered life if you can't get out and be around others. Learn. Grow.
ReplyDeleteSent from my iPhone
segregation means compelling racial groups to live apart from each other. Redlining is denying banks insurance companies to refuse loans in certain areas. This led to some area being known as " Negro blocks". For many families in Missouri redlining had become a large issue making home owners loan corporations look like they were apart of the segregated economics. Realtors weren't allowed to sell homes and unrestricted zones the zones were black people reside.Black people were unable to receive mortgages with low interest rates and down payments. Wealth gap began to form because black people could not move out of the restricted zones and it increased the value of their homes. And Ferguson there also is a wealth gap between the blacks and whites so black people should receive a lower mortgage so they are able to make more money in the future or at least be able to become equal with white people which will help stabilize the economy and lesson racial conflict.
ReplyDeleteCan they be equal with whites if they don't make the same income or live in the same neighborhoods?? What is the answer to equality??
DeleteIn this article segregation means the enforced separation of different racial groups in a country, community, or establishment. Redlining is refusing someone insurance or loans because of the poor area they live in. It led to areas being known as "Negro Blocks", which affected black families in Missouri with their ability to move to better areas. Redlining caused a huge wealth gap between whites and blacks, affecting the economy. The solution to this problem would be to stop talking about change and be the change. Skin color should not define a person, family, income or etc. I would suggest more events, programs,and organizations that will help these communities.
ReplyDeleteWhat kinds of events, programs, and organizations?? Be specific.
DeleteSegregation is the action or state of setting someone or something apart from other people or things or being set apart. The term "Redlining" means denying certain racial groups houses, banking, services, etc. It affects those in Missouri because after the election in 1916, they implemented an ordinance that basically legalized segregation indirectly. The St.Louis Real Estate Exchange passed a referendum in 1923 to allow Realtor to sell houses to black families in unrestricted areas within the historically black neighborhoods. Having such a huge wealth gap, it is affecting the economy. The average black household has $75,040 in wealth stored in a home while an average white household $217,150. Well racism is a huge problem in the United States, even though the U.S. is a melting pot where whites are becoming a minority,people still treat blacks,Hispanics, Latinos, etc as if they are less of a person. The only way to fix this is for everyone to have equal rights and opportunity. The current government we have in the house and senate are people who couldn't care any less for anyone who is not of white decent so having them intervene with the problem won't do us any good. We the people have to change our beliefs and treat everyone equally with respect, that's my solution.
ReplyDeleteHow do we change those beliefs?? What needs to happen??
DeleteSegregation means the policy or practice of separating people of different races, classes, or ethnic groups, as in schools, housing, and public or commercial facilities, especially as a form of discrimination.According to the article the term Redlining is a practiced that is fashioned in specific areas that could be sold to African Americans . The federal housing administration also known as (TFHA) are Ds in red coloring to ensure private mortgages. This affected African American families in Missouri because they were only able to purchase what they wanted in specific areas that Realtors would sell them. Also, these individuals were unable to receive lower interest rates and down payments required for mortgages with TFHA backing. African American families were outcast of the real mortgage markets.Values of homes decreased substantially, and even the people who could afford to move weren't fortune enough two because of the restrictions placed on where they lived. After reading this article racial segregation has affected the community.Individuals haven't had the ability to buy homes, and these practices have made the values of these individuals who did manage to buy houses have gotten turn down. Causing a gap in wealth between African Americans and white households. My solution to this problem would be to drop the law of the restricted zone so their is no segregation and Ferguson can be equal.As we'll as stabilize the economy so that the their be less conflict between African Americans and white.
ReplyDeleteWhat if the "law" is more of a "code" or "understanding" or "unwritten law"?? How do we stop those actions?
DeleteSegregation is the action or state of setting someone or something apart from other people or things or being set apart, and in racial terms, the enforced separation of different racial groups in a country, community, or establishment. "Redlining" is the practice of denying, or charging more for, services such as banking, insurance, access to health care, or even supermarkets, or denying jobs to residents in particular, often racially determined, areas. Redlining affect St. Louis Missouri when blacks were limited to "Negro Blocks" back in 1916. This eventually led to unrestricted zones which were areas in which African American people can buy property. the St. Louis Real Estate Exchange created unrestricted zones where the realtors were only allowed to sell to blacks, and they could get fired if they tried to sell to others. Because of all of the real estate procedures, the black and white populations became severely segregated. Some neighborhoods were almost all completely black, with an extremely small white population.
ReplyDeleteWhat is your solution? How would you change the law??
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ReplyDeleteSegregation is defined as the separation or isolation of a race, class, or ethnic group by enforced or voluntary residence in a restricted area, by barriers to social intercourse, by separate educational facilities, or by other discriminatory means. Redlining is also a discriminatory practice by which banks & insurance companies refuse or limit loans, mortgages, & insurance within specific geographic areas, especially inner-city neighborhoods. Missouri is affected by redlining because out of 50 metro areas across the country, the St. Louis area where Ferguson is located is the ninth most segregated between whites and blacks. St. Louis began redlining with a ballot measure in 1916, which won by a substantial majority, creating an ordinance that designated some areas as “Negro blocks.” My solution to this problem would be to give the cities like a Ferguson grants to increase their property values. I would also advocate a more diverse police force.
ReplyDeleteWHOA!! Explain to me how giving grants will increase property values in Ferguson??
DeleteSegregation is defined as a separation of races, classes, or other ethnic groups. The term Redlining means to deny certain racial groups houses, banking, services and more, it had affected black families throughout Missouri. It affects Missouri because in 1916 redlining was implemented and this caused blacks to move "Negro Blocks". It's affecting the economy because the value of their homes are declining. Now there is a huge wealth gap between the two races. The average black household has $75,040 in wealth stored in its home, while the average white one has $217,150. Eventually led to unrestricted zones which were areas in which African American people can buy property. my solution is to stop the racist stuff
ReplyDeleteHow do we stop the racism our country??? You offer no solutions....
DeleteSegregation is separation of humans into racial groups in daily life. It may apply to activities such as eating in a restaurant, drinking from a water fountain, using a public toilet, attending school, going to the movies, riding on a bus, or in the rental or purchase of a home. The term redlining is the practice of denying, or charging more for, services such as banking, insurance, access to health care, or even supermarkets, or denying jobs to residents in particular, often racially determined, areas. It affects Missouri because St. Louis began redlining with a ballot measure in 1916, which won by a substantial majority, creating an ordinance that designated some areas as “Negro blocks.” That meant black residents missed out on the lower interest rates and down payments required for mortgages with FHA backing according to thinkprogress.org. Majority of the black families were forced to shut out of the legitimate mortgage market, those could not afford to move were trapped in inner city communities by restrictive covenants which lead to the decrease of their home values. The racial segregation that these policies caused lives with us today. Whites fled the city for the suburbs in St. Louis, but blacks couldn’t follow due to the restrictions within the area. “Between 1950 and 1970, close to 60 percent of the white population fled the City,” Gordon writes. The black population in the city increased slightly in the same time, this shows how much blacks were restricted to the point that they couldn't even decide the location of where they would set their life on. Racial housing not only the racial makeups of the community but also of its economics. Because black families were restricted to the real estate, the racial wealth of the community moved further apart. An average black family owns about $70,000-$75,000 in its household, while an average household has $100,000-$200,000 in store. No matter how you look at it, it is a big gap, and it's all caused by the blacks' restrictions from buying houses. My solution to this problem is that the first thing that needs to be carried out before anything else is to stop the segregation immediately. Following that event people can gather together to sort things out, to balance the race within the community, not to have too many whites but at the same time blacks or other races. In order to have an ideal balanced community, the racial makeups has to be somehow diverse as much as possible. People have to realize that because all of this estate procedures that the communities are significantly segregated, and the problem won't go away until we have to stop its root which is the racial treatments for different races. Only until then the community's true balance can be achieved.
ReplyDeleteHow would you stop segregation?
DeleteSegregation is the state of setting someone or something apart from other people or things or being set apart. Redlining is to refuse a loan to someone because they live in an area deemed to be a poor financial risk. This is affecting black families in Missouri because many of them are restricted and cannot buy homes. In 1923, The St.Louis Real Estate Exchange adopted a referendum creating "unrestricted zones". This basically meant that they could only buy or own a house with the areas designated. If a Realtor was caught selling a house to a black family out of the specific area they could possibly lose their license. According to this article, racial segregation is affecting the economics of this community because it is causing a huge racial wealth gap. As of 2011, the average black household has $75,040 in wealth stored in its home, while the average white one has $217,150. There is a great difference in prices. This is all occurring because black families aren't getting the right to buy houses wherever they want, only in specific areas. My solution to this problem to equalize rights among black and whites, everyone should be entitled to the same rights. By changing the law, the economy would be so affected as it is right now.
ReplyDeleteThe laws already give equal rights to all. How would you change the law?
DeleteSegregation is the enforced separation of different racial groups in a country, community, or establishment. Redlining is the practice of denying, or charging more for, services such as banking, insurance, access to health care, or even supermarkets, or denying jobs to residents in particular, often racially determined areas. After a ballot measure in 1916, Missouri began redlining. Redlining affected and continues to affect black families in Missouri because it led to the creation of “Negro blocks.” These “Negro blocks” later led to “unrestricted zones,” which were areas that people were able to sell property to black people. Outside of these areas, the real estate agents could lose their licenses if they sold to black people.racial segregation affected the household value of homes. Since black people could not buy homes, and discriminatory practices depressed the values of homes owned by black people, there is a huge wealth gap. In a common black household has $75,040 in wealth stored in their home, while white households usually hold $217,150. My solution is to include new housing policies that do not discriminate and have the law involved to help stop the segregation as best they could.
ReplyDeleteWhat law??? Don't we have enough laws?? What is your solution?
DeleteThe word segregation means, the separation or isolation of a race, class, or ethnic group by enforced or voluntary residence in a restricted area, by the barriers to social intercourse, by separate educational facilities, or by other discriminatory means. Redlining is a discriminatory practice by which banks, insurance companies, etc., refuse or limit loans, mortgages, insurance, etc., within specific geographic areas. In St. Louis they did a ballot measure in 1916 and the result was to begin redlining, they created an ordinance that designated some areas as “Negro blocks.” Later on the Negro blocks became “unrestricted zones”. They created these zones in the historically black neighborhoods where members were allowed to sell to black people, the consequence of selling outside of the zones resulted in the loss of their licenses. The segregation is affecting the economics of this community with the decreased values of homes of the black families. The average black household has $75,040 in wealth, while the average white one was $84.960 in 2011. The first thing I would do to try to fix all of this is to stop segregation immediately. I would also enforce rules and regulations for police officials to act if there is any racist acts. Also giving everyone equal amounts of benefits, right, and wealth can only help the economy.
ReplyDeleteWealth?? Should we just divide the money supply equally among all?? Even those who don't work??
Deletesegregation is the enforced separation of different racial groups in a country, community, or establishment.The term REDLINING means denying mortgage, insurance, or loans to specific geographic areas and this affected black families in Missouri because in 1916 blacks were only allowed to buy houses in "Negro blocks." This caused separation between black families and whites. This would also create tension between the two races. Racial segregation is also affecting the economies of this community by lowering the housing value of the houses in the black zones. The average black household has a value of $75,040, while the average white one has a value of $217,150. My solution would have to be get a more diverese police force and get those cameras installed on all police and police cars and lastly,treat blacks as equal if the blacks have to live in the lower income house then the whites should as well everyone should be treated as an equal because we all bleed the same blood.
ReplyDeleteSo what is the solution to the problem? What would you do to solve the issue???
DeleteSegregation is when you seperate something or someone from another someone or something. Redlining is denying people from certain things because of there race. Forms of redlining is banking, insurance, access to jobs, access to health care, or even supermarkets. In 1923 unrestricted zones were created in Ferguson, meaning that realtors were allowed to sell sale only certain house to black people. Black families were blocked from the mortgage market, the value of thier house devalued, and even if they had money they couldn't buy a house in an unrestricted area. To solve this problem everyone should have equal rights no matter what race you are.
ReplyDeleteWhat actions need to be made to guarantee equal rights? Your answer is vague and unresponsive.
DeleteSegregation is the act of setting something or someone apart from others/ being set apart. In this case, it is by race. Redlining is denying a certain race banking, loans, insurance etc. This affected black families in Missouri by forcing them into areas called "negro blocks". Racial segregation affected the economics of the community because the average black household has around 75,040 wealth, whereas the white average home has 84,960. My solution would be to stop the act of redlining to then in effect, stop the segregation. This can help cease the chaos that is happening with the protest.
ReplyDeleteWhy would redlining be a solution for protests??? I'm not certain you grasped the meaning of the article????
DeleteSegregation is the practice or policy of keeping people of different races, religions, etc., separate from each other. Redlining means to insure private mortgages, used similar ratings, marking black neighborhoods with Ds and red coloring and usually making those mortgages ineligible for its backing. "That meant black residents missed out on the lower interest rates and down payments required for mortgages with FHA backing. Most black families were shut out of the legitimate mortgage market, their home values decreased, and even those who could afford to move were trapped in inner city communities by restrictive covenants." Racial segregation is affecting economics in this community because its causing a major racial wealth gap. "Racial housing segregation hasn’t just affected community makeups, but their economics. Given that blacks have been shut out of buying homes, a huge source of wealth, and discriminatory practices depressed the values of those who did manage to buy houses, it’s no surprise that there continues to be a huge racial wealth gap. The average black household has $75,040 in wealth stored in its home, while the average white one has $217,150. Overall, the gap in wealth between white households and black ones was $84,960 in 2011. A similar gap is apparent in Ferguson, where the median household income is about $37,500 but in St. Louis County as a whole it’s $58,500." My solution would be to try to reach the highest level of equality as much as we possibly can in all our communities.
ReplyDeleteSegregation is where one racial group is seperated from other racial groups. Redlining is the practice of denying, or charging more for, services such as banking, insurance, access to health care, or even supermarkets, or denying jobs to residents in particular, often racially determined, areas. And this is effecting black families in Missouri because they are not being treated fairly. It caused "Negro Blocks" which are blocks made just for black people to live and sell things to. They are segregated from white families and cause racial issues. According to this article racial segregation is affecting families in Missouri by having black households worth a lot less then white households. This in terms can lead to violence within the parts of town with less income. My idea for a solution is to get the government involved in this and let them make decisions rather then the racists in Missouri. We as Americans should want to see each other succeed, not watch each other die. This crap going on in Missouri is causing racial tension and if it isn't stopped soon then we may come into conflict as a country.
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ReplyDeleteThe definition of segregation is the action or state of setting someone or something apart from other people or things or being set apart. Redlining is a discriminatory practice by which banks, insurance companies, etc., refuse or limit loans,mortgages, insurance, etc., within specific geographic areas, especially inner-city neighborhoods. As a result, black families are denied the privilege of purchasing a property. Redlining in Ferguson began from a ballot measure in 1916, and that created the distribution and creation of “Negro Blocks” which were deemed the only appropriate places for blacks to live. In 1923, the St. Louis Real Estate Exchange included a referendum that created “unrestricted zones,” those neighborhoods that were allowed to be sold to the black population. By 1941, the zones were combined into one restricted district, and then the St. Louis exchange began using covenants that restricted the use and resale of properties to black people. With this major separation, the economy suffered as well. Blacks weren't allowed to buy houses, which is a big profit. The gap between black and white wealth was $84,960, whites having $217,150 and blacks $75,040. That's the difference in the average income between families living in Ferguson and St. Louis. My solution is to have the government intervene and give subsides or tax breaks to companies that move in to these areas. But the main goal is to stop discrimination overall teach the people how injustice it is and that's it wrong to mistreat anyone human being.
ReplyDeleteSegregation is the action or state of setting someone or something apart from other people or things or being set apart. In this case, it is the enforced separation of different racial groups in a country, community, or establishment. Redlining is when someone is refused (a loan or insurance) because they live in an area deemed to be a poor financial risk. Now because of the redlining a law was created that established "Negro blocks". This was forbid from supreme court when other cities were asking to do it also. St. Louis continued to minimize blacks as years progressed into 1923 when a new name was created for the law, "unrestricted zones". It's ridiculous to think that its right to treat people this way. Blacks are put into homes that the whites approved for them and they are being put into run down areas which creates a chaotic, dangerous environment and then the whites come in and blame them and then start letting gun shots fly. The problem with Ferguson is that the police population is most likely whites even in major cities most of the police officers are white. Although in areas such ad Ferguson i believe the people would feel more safe and appreciate a black officer roaming around the streets instead of a white officer. If more black officers were to join the force the people would feel a bit more at ease due to the diversity and the tensions and riots will diminish.
ReplyDeleteSegregation refers to the separation of different races in a country, community or an establishment. Redlining is refusing to sell or loan a property to certain people, this causes black families to be limited on where they want to live forcing them to live in a low rate neighborhood (according to the FHA). This deprives them of lower interests, down payments required for mortgage, decreases their home values and prevent them from moving even if they can afford it. Due to racial segregation there is huge racial wealth gap of $84,956. If people stood against segregation, the FHA would have to stop redlining neighborhoods based on their racial occupants. In turn black families would not be obligated to live in an undesired area and be able to chose what kind of house and neighborhood they wish, the economy would improve as the wealth gap would most likely decrease.
ReplyDeleteSegregation is the enforced separation of racial groups in a community. Redlining is a term that comes from marking neighborhoods with D ratings and red coloring preventing residents of these neighborhoods the eligibility for lower interest rates and down payments required by mortgages with Federal Housing Administration backing. Redlining restricted most black families, keeping them out of the legitimate mortgage market causing home values to decrease. Racial housing segregation has contributed to the enormous wealth gap between blacks and whites. In 2011, the wealth gap between white and black households was $84,960... There is also a vast difference between the way urban and suburban residents view their police force; with less than 6% of police being black in Ferguson, where 67% of the people are black, there is a racial disparity that contributes to the views of police as a sort of specter towards blacks. In my opinion there needs to be an establishment of equality: redlining needs to stop and the people must integrate or this separation of power, wealth, and views will continue to interrupt this community. Instead of putting restrictions on housing concerning race, maybe there should be quotas based on the quantity of various races in the police force and extensive security/surveillance on what the police are actually doing.
ReplyDeleteSegregation is the action or state of setting someone or something apart from other people or things or being set apart. The term redlining means the discriminatory practice that designated specific areas that could be sold to blacks. This affected black families in Missouri because St. Louis began a redlining election in 1916, which won by a substantial majority that started creating an ordinance that designated some areas as “Negro blocks." and now the black residents were unable to receive mortgages with low interest rates and down payments. The racial segregation is affecting economics in this community because it is causing a major racial wealth gap of $84,956 and decreased values of homes of the black families. Also, for an average black household it has $75,040 in wealth stored at the house, and for the average household of whites it has $217,150. My solution to this problem would be to make sure that in our community, there is equality; basically stopping segregation and finding peace.
ReplyDeleteSegregation is the act of seperating someone or something apart from another party/group of people. Redlining is the practice of denying for service (i.e mortgage rates) usually racially determined. Black families' homes were not getting the full value of thier home, on average they lost about $85,000 on the true value of thier houses. The finacial gap between white and blacks causes a seperation of living conditions and segregation in a way. With the group making more money (whites) having nicer looking homes then blacks with their lower wages living in ghetto conditions. Now with the pre judgment of the ghetto and who lives in it police will naturally be more on edge and be quicker to assume the worst out of people living in the ghetto just because of the enviorment which they live. This causes not only a continuing gap between white and blacks but aslo a fued war which is also bad for money because now who's going to buy their homes anymore? To fix this banks and the FHD are going to have to start judging the ghetto and giving real values of houses to get out of the rut ghettos areas are in.
ReplyDelete-Raymond Tilus
Segregation is the action of separating someone or something from other peoples or things, however the St. Louis area where Ferguson is located, is segregated between whites and blacks. According to Dictionary.com, redlining means "a discriminatory practice by which banks refuse or limit loans, mortgages, insurance, etc., within specific geographic areas." Redlining has been used in the area around Ferguson which caused black residents to miss out on the lower interest rates and down payments required for mortgages with FHA backing. Most black families were shut out of the legitimate mortgage market, their home values decreased, and those who could afford to move were trapped in inner city communities by restrictive agreements. Racial discrimination segregating the Ferguson community affects the economy since black families have a harder time living in "A" security rated white neighborhoods, a huge source of wealth, and segregated practices depressed the values of those who did manage to buy houses, which causes a huge racial wealth gap. The Ferguson police department needs to change the ethnic group and draft more black police, get some black deputies, train new black recruits, anything that can make their department more diverse so that the people living in St. Louis will not feel as if they are are being discriminated for their skin color.
ReplyDeleteSegregation is the forced separation of different racial groups. Redlining is the discriminatory practice of denying, or charging more for services, insurance, health care, or mortgages within specific geographic areas, especially inner-city neighborhoods. This began after a ballot measuring in Missouri, in 1916. This led to the creation of "Negro Blocks", later leading to "unrestricted zones", areas where property could be sold to black people. If a realtor were to sell to a black family outside of these zones, he/she could lose their license. This discrimination then leads to economic conflicts in the community. When the FHA labels a black neighborhood with Ds it affects black families in Missouri because their homes' value decreases, and they end up being trapped where they are because of redlining and restricted covenants. As a result, the average black household has $75,040 stored in its home, while the average white one has $217,150. How do we solve this problem? How do we stop fueling this racial fire? I say, enforce the obvious. Integration-segregation's opposite. Further integrate the police force by setting a quota for the races. Stop redlining. Every person, no matter their skin color should have the same equal rights to property.
ReplyDeleteSegregation is the action or state of setting someone or something apart from other people or things or being set apart. Redlining is the practice of arbitrarily denying or limiting financial services to specific neighborhoods, generally because its residents are people of color or are poor. This affected black families in Missouri because, according to the article, black neighborhoods were being marked with D’s which made mortgages ineligible for backing. According to this article, racial segregation is affecting the economics of this community because given that blacks have been shut out of buying homes, huge source of wealth, and discriminatory practices depressed the values of those who did manage to buy houses. There is still huge racial gap. My solution to this problem would be absolutely nothing as of right now. You cannot force someone to like someone or something. I say we sit and wait and see what the future holds.
ReplyDeleteSegregation is, in simplest terms, the means of separation. In this article, the word "segregation" would be used to demonstrate how people of different races are separated into different housing areas.
ReplyDeleteRedlining is a term used to describe the act of refusing to give a loan or insurance to someone based off of were they live, and what their financial income may be. If someone has poor financial stability, they are deemed to be a poor financial risk. Many of the black families in Missouri were affected by this policy because of segregation. Since a lot of the black people lived in ghetto, run-down areas, they were refused loans and/or insurance, and this could impact them harshly. If they aren't allowed to get loans, then they're still living off the small income they make, and they won't be able to make it out of the ghetto since they can't afford anything else.
"The average black household has $75,040 in wealth stored in its home, while the average white one has $217,150. Overall, the gap in wealth between white households and black ones was $84,960 in 2011." This goes to show that the economics in this community is slowly going haywire. Neighborhoods with black families can be perceived as very dangerous, and on the other hand, neighborhoods with white families can be perceived and more secure and safe. White families will bring in more income than black families, so they can afford to buy bigger and better houses with more security.
I honestly do not believe there is any solution to this problem. Whether you remove the blacks or the whites from the area, someone get hurts in the end. Maybe if people weren't so ignorant as to believe all of these views and stories of black people, this wouldn't be so hard on Missouri or even black people around the world. If people could get out of their own selfish worlds they'd be able to realize that the color of one's skin doesn't automatically determine the person on the inside.
So what do we do? Just let people discriminate?? How does that affect you as a dark skinned woman??? Don't you want someone to help you???
DeleteSegregation is the enforced separation of different racial groups in a country, community, or establishment.Redlining is the discriminatory practice of denying, or charging more for services, insurance, health care, or mortgages within specific geographic areas, especially inner-city neighborhoods. It affects Missouri because in 1916 redlining was implemented and this caused blacks to move "Negro Blocks". It's affecting the economy because the value of their homes are declining. Now there is a huge wealth gap between the two races. The average black household has $75,040 in wealth stored in its home, while the average white one has $217,150. My solution to the problem is to just let the people figure it out, because this way of life will always be around, people will always think this way and icannot change that.
ReplyDeleteSegregation is the action or state of setting someone or something apart from other people or things or being set apart, and in racial terms, the enforced separation of different racial groups in a country, community, or establishment. Redlining is when people refuse (a loan or insurance) to someone because they live in an area deemed to be a poor financial risk. Redlining in Ferguson began from a ballot measure in 1916, and that created the distribution and creation of “Negro Blocks” which were deemed the only appropriate places for blacks to live. According to this article, racial segregation is affecting the economics of this community because given that blacks have been shut out of buying homes, huge source of wealth, and discriminatory practices depressed the values of those who did manage to buy houses. There is still huge racial gap. My solution to this problem would be absolutely nothing as of right now. You cannot force someone to like someone or something.
ReplyDeleteThe meaning of Segregation is to separate, or it’s to set apart from others. The term redlining means to deny certain racial groups houses, banks, and other services. This affected the black families in Missouri by separating black families from the white families. They designated black families to live in “Negro blocks”. The racial segregation is affecting the economics of the community by affecting the household value of homes. Due to the “unrestricted zones” Home owners Loan Corporation, blacks were unable to receive mortgages with lower interest rates and down payments. I personally think that the economy would benefit more if they stopped segregation. I think that treating everyone the same would causeless problems and bring more money into the economy.
ReplyDeleteSegregation is defined as the action or state of setting someone or something apart from other people or things or being set apart. It is the enforced separation of different racial groups in a country, community, or establishment. Redlining is a discriminatory practice, which involves lenders refusing to lend money or extend credit to borrowers in certain areas that are struggling. And redlining affects black families in Missouri because they missed out on the lower interest rates and down payments required for mortgages with FHA backing. Due to this, most black market, their home values decreased, and even those who could afford to move were trapped in inner city communities by restrictive covenants. According to the article racial segregation has affected the economics of the community because of whites fleeting the city for the suburbs in St. Louis, but blacks couldn't follow, kept out due to restrictions. My solutions, to all this, would be to end the segregation. And to achieve this, the resolution needs to come from real estate and restrictions on "struggling" home, and not allowing them to move past the restriction made.
ReplyDeleteIn the Webster dictionary segregation means compelling racial groups to live apart from each other. Redlining is denying banks insurance companies to refuse loans in certain areas. This led to some area being known as " Negro blocks". Some members were allowed to sell to black people in unrestricted zones. In 1941, zones were combined into one restricted district, and in the St. Louis exchange they used covenants that restricted use and resale of properties to black people. Also in St.Louis security ratings were common in white neighborhoods and rare in black ones. City's population fell 8% between 2000-2010. The gap in Ferguson households is in the median household where it's income is $37,500, but $58,500 as a whole in St. Louis County. We should be blind to color when choosing are armed force. We should really be blind to color for anything really.
ReplyDeleteSegregation is when a certain group of people are outcasted from a society. In the United States there has been a massive case of segregation between black and white citizens. During the Civil Rights Movement everything was segregated. Bathrooms, restaurants, buses, schools, basically everything in the nation. Redlining is the practice of denying, or charging more for, services such as banking, insurance, access to health care, or even supermarkets, or denying jobs to residents in particular, often racially determined, areas. This affected the black families in Missouri by separating black families from the white families. They designated black families to live in “Negro blocks”. According to this article, racial segregation is affecting the economics of this community because given that blacks have been shut out of buying homes, huge source of wealth, and discriminatory practices depressed the values of those who did manage to buy houses. My solution to this is to try and bring back a civil rights act. It somewhat worked for Martin Luther King Jr. so it could work for us.
ReplyDeleteSegregation is the action or state of setting someone or something apart from other people or things or being set apart, and in racial terms, the enforced separation of different racial groups in a country, community, or establishment. Redlining is when people refuse (a loan or insurance) to someone because they live in an area deemed to be a poor financial risk. Redlining in Ferguson began from a ballot measure in 1916, and that created the distribution and creation of “Negro Blocks” which were deemed the only appropriate places for blacks to live. Then, 1923, the St. Louis Real Estate Exchange created unrestricted zones where the realtors were only allowed to sell to blacks, and they could get fired if they tried to sell to others. Because of all of the real estate procedures, the black and white populations became severely segregated. Some neighborhoods were almost all completely black, with an extremely small white population. Also, The Home Owners’ Loan Corporation, started security ratings on the neighborhoods and would give predominantly black neighborhoods D ratings while white ones got A ratings. Working in conjunction with them, then FHA used those similar ratings, which meant blacks missed out on low interest rates and down payments, and the value of their homes decreased. With the ways things are going with our police force, the black communities would probably feel a whole lot more safe if there were more black police officers so they don’t feel as though they will get arrested or gunned down from walking in the streets. As the days go on this is becoming more and more of a problem, so the longer the people of Ferguson take to make stop the chaos and actually make a difference, but until the people stop all of the madness going on than nothing will change. black communities would probably feel a whole lot more safe if there were more black police officers so they don’t feel as though they will get arrested or gunned down from walking in the streets.
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Segregation is the separation between blacks and whites due to racial reasons. Redlining is when loan or insurance companies refuses someone's business because they live in an area deemed to be a poor financial risk. This affected the black families in Ferguson by not letting them move out of the urban areas where the majority is black. According to the article racial segregation impacts the community's economics by not allowing blacks to purchase homes because they have been redlined. A home is a major source of wealth which goes that much further to limit blacks. For example the average black home has $75,040 in their home while the average white households have as much as $217,150 that's an astonishing difference of roughly $85,000. If it was up to me I would eliminate redlining which just makes it difficult for those seeking better for their future. By eliminating redlining the levels of segregation will then start to decline eliminating the D classified living zones, creating a better economy for the state.
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