the government has to determine which sounded the going to insure and which is it not going to insure and it does that based on a racial, makeup of neighborhoods. neighborhoods that had a certain number of black residence would have literally red lines drawn around them on the map. and they wouldn't insure mortgages in those areas because they believed that the properties would not hold value. the main turn down alone. they said, i'm a bad risk banks take up that same practice. they decide they're not going to land in those areas. that meant that all the benefits that were flowing to potential homeowners were flowing to whites and not going to minorities. make this element of racism into our home ownership culture problem. it's not a problem. it's been up than like moving down. how many did they probably be white with them having 2 doors away. so we pass the law in 1900. 68, a fair housing it proclaimed that fair housing for all. all human beings

is now a part of the american way of life. the me the mandate the government given to not to prevent discrimination, but to actually affirmatively go out and say, how do we desegregate america? the government betrays that policy. ah, i find as i travel across the country, that whether we're talking about the white americans or people who may be robot and other minority groups like the mexican americans, the rest just like the back americans. what everybody wants as an equal chance to have a piece of the action at the federal government has never enforce the fair housing act in that state. and local governments do not important you know,

you can have federal policy, but as the local administration of these policies that often miss the black people received discriminatory treatment. hello, my name is tyrone washington. i'm calling about the apartment park street available . yes. hello. my name is graham, wellington, i'm calling about the apartment for rent on park street. is that still available? yes, it is. what is really, what does it mean? it means that the places that were segregated in the thirty's for the fifty's, they're still segregated today because we haven't done anything to undo the racial segregation. yeah, let account today is over 95 percent white, very few minority families living there. they fix the damage that was done. we just allowed, although the qualities to continue but said from this day forward, we can't discriminate. so it didn't fix it. all of these policies and practices,

the systems that federal government, state government and local government pass. and in that they converge to sort of create, concentrated poverty. by the time we reached the city. so that create a situation where many urban areas you have like what george clinton will call, you know, chocolate cities in the vanilla suburb. what they call it, the white house. that's a temporary condition. there's a lot of talk to the cities around. we got new, we've got gary, somebody told me, we got to work another. let me get out 40 acres in you. but we did give me the time, can you now there is no program or promise that

a president can bake. thank the federal government can come in and do their the condition of black veterans and white veterans diverse, even though when they return from the war they were economically similar families. public housing then became a black phenomena. the people who fall into this category, they have to live where society is not anytime nature down and people constantly human cities in the attic with the service neighborhoods that were heavily concentrated with african americans, garbage collection wasn't picked up as frequently. streets were repaired as well, conditions, deteriorated,

and urban areas became spotless. i would like to rather america knows in this and say, take a look at it. you want to reject it, go ahead. well, i certainly would, wouldn't hate to think that anybody is what i said they were given up. hope what i'm saying is that society has failed. the hope of the people who live in struggle here. that's what i'm really saying. they're going to go on struggling anyway. whether we fail to succeed at the same time you have concentration, you also have clears, you have highway construction, which is destroying black community, highways. oftentimes urban areas are built dead in the middle of black community. so there's a sort of rising anger or frustration that takes place. ah, once it became slums, are these looked at them and said, well we need to do some, some clearance.

the i choose with

where all of black people are all located, where are they going to approve now neighborhood they're, they're, they're messing with our unity. it takes 10 years to re written down. they know what they're doing, a systematic genet, that systematic. well, those african american families who are displaced has to move somewhere. so those families we give in section 8 housing vouchers. the idea behind section 8 is fabulous. it's exactly what one would hope is that people who are impoverished have an opportunity to move into neighborhoods that are not impoverished. unfortunately, for black americans, it doesn't work that way. a lot of reason for that is, is you can still legally discriminate against someone for using a section 8 voucher. so landlords and most suburbs would not accept section 8 housing factors, and that's perfectly legal. white homeowners definitely afraid

a black person moving next to them because blackness is associated with lower home values. the failure presence in the labor. c can undermine the value of our home and we're concerned with i get a little about before it becomes common knowledge that the family in the area it's nothing personal always never is ever was personal, but i feel real bad. we grew up in philadelphia, actually originally and we were in an all black neighborhood. and my life changed when we moved to south jersey not far from some of the levered town type of neighborhoods. and when we came in, the police had to come in with us because people were throwing things at our house and terrorizing our house at night. ah, we moved there because we wanted a place that was integrated and we just wanted to raise our standard of living and it was the strength of my parents that said,

this is where we're going to be do you think and grow family moving here will affect the community as a whole definitely in what way i think that all the property values will go down if they are allowed to move in here and any number. do you think the miner thing and live at town will affect property values? i don't think that the myers have anything to do with the property decreasing or increasing. i think it's purely a white problem, not a problem. well, as a result of all these policies, we created a segregated system and because we forgotten now this entire history of how it happened, white families believe that they got where they are simply by their own hard work and determination to succeed in the middle class life but they don't understand is

that their parents could have came as a immigrant from a white country and immediately had access to known. and the ability to move in to white neighborhoods. black americans whose families had been citizens for generations could not. and so it's not saying that their families didn't work hard, but it is saying that their families benefited from a great deal of affirmative action to get where they are quite american don't what it's like to live in these communities. and so because of that, they are unable to connect with what it is like to be in these areas that have been deprived of every type of opportunity. now how do these communities get? see, they go for decades in the festering situations, theory and beggar gain, a community that have been completely abandoned. and suddenly we see them only when they burn something on the

world. people like conditions than down the rest. but now it doesn't even once they get out what it is, i can't really looking a man murder. when it happened, we had not been willing to recognize this, right? we must understand if we had to do something about the dangers that faces. no,

it shouldn't be that hard to understand why that becomes kind of the ultimate outcry, because it's the only way that these can become visible to most americans. oh, the look forward to talking to you all. that technology should work for people. a robot must obey the orders given it by human beings, except when the shorter the conflict with the 1st law show your identification. we should be very careful about artificial intelligence. the point obviously is to great truck, rather than fear i would take on various jobs with artificial intelligence, we have somebody with a robot must protect his own existence with

join me every 1st day on the alex simon show. and i'll be speaking to guess in the world, the politics sport, business. i'm show business. i'll see you then. me. hello, driven by a dreamer shaped by those in me i think we dare to ask me. ah,

i don't want anything they are going to me, but i can tell where is that? he said you can get him when he went to john platt cobra. i'm going to get a plan like i let me pull on just a platter of me in and he wants to hear from you on, on the phone with me both 956. when i came out here with farms. i was 5 years old when i came here 949. i came from the south branch. i bought it for some of the future in that area. so that's a lot easier. and we did. we had a very nice ending career with the police department. they took him out of the south bronx for the benefit of the community. now when i 1st became policemen, i was a ride squad in any right or any type of demonstration that was in the city. i went

to it mostly i was comes on the job them and they were nasty. they tell you to move in, you to move, you got the stick. i mean, there was a lot and you didn't, you didn't this bad protest or you want to put forth your right to protest. or do you see guys putting holes in hoses so they can't put out fires matches to businesses, but to people's homes. you have a right to protest, but you don't have a right to do that. the i just think inside of where do out looking for you for nothing. you have just put them out of where you are, who achieve your finance. it's pretty easy to do. if you just follow my system step by step, it's so easy to make money and really say, and i'm playing to be a 1000000 by age 25. i just got my 1st deal, and i'm going to do many more like this for $1000000.00. 7 deals and $32000.00 and

i want to be or you can do or do what do you waiting for? and i don't that one that 1. 1 right over here. now the time to buy a home now is the time to buy the news you know get some good from i'm sure it's going to be a little less crazy in the service and regional planning from the university of minnesota. please give

chuck. thank you. thank you. and a little bit about organization, strong towns organizations now evolved into a national movement of people trying to reconfigure their communities to be more financially sound post world war to america. the financing mechanisms of it act very much like a ponzi scheme. you have this immediate sugar high with this long term liability kind of hanging out there in the future. and the last generation standing is the one that's going to have to pick up the bill. we prayed on our fellow americans just so we could keep the growth going and nobody stopped to consider the impact that this was going to have on real people in real families.

i was bird doggett, finding foreclosures for other investors. i just saw that the majority of wealth created in the united states was for real estate. so i was determined to follow that track. it was so much fine at the height of when we were making money. company had season tickets to the lakers right behind the lakers spent so totally bryant's wife leonardo dicaprio, literally right in front of us. and when he used to date jazz l and my son will never forget. 15 years old, just nelson, right in front of jazz, elf hair is hanging over the back of her seat in jeff goes, dad. why? because they start playing with jazz l hair. oh my god. anyway, i digress a bit, but back in 9697, there was a new product that started for the market called 125 percent loan to value. and when i 1st started seeing that this is a recipe for disaster, are you

a home owner with too many build too many high interest monthly payments? why not pay them off with a 2nd mortgage bill and up to 125 percent of the value of your all less your 1st mortgage balance. they went after the payment buyer. that's what they did. hey, get a 50000 dollar 2nd for $500.00 a month. go by that boat go by that 2nd car wasn't a home improvement loan. it was a signature loan did you could do whatever you want with. i just thought it was exceedingly irresponsible. loan product i took advantage of and he is taking time. i come on. good girl, mikey, mikey here. right? hey, hey, about no, no. the lenders got greedy and they figured okay, we exhausted the $125.00 potential pool. let's go make it super easy to get

purchase money. now, if you were to ask me what the perfect credentials are to qualify for a home loan, i honestly couldn't tell you, may i help you, sir? i need a quick answer on a new home loan stated income, stated, employment, stated, stated, stated, which means whatever the borrower says is factual. as recently as the 1997, you had to put 20 percent down and he had to struggle to save that kind of money. you fast 4 or 5 years. and a bus boy from a local coffee shop can buy the same house for nothing. we'll have to verify your credit. so your credit, we don't have any. if we can't pay cash, we do without which you said the 2nd run the entire american economy. i mean, where would you be able to know more than we could pay back in order for the house of cards to stay standing? it has to get bigger. so the guy that's in the 3 bedroom, one and

a half bath house, he's got to move up to the 4 bedroom, 2 bath house, the house, the car just kept getting bigger and bigger and bigger and bigger, and bigger and bigger and bigger. and it's just all on fake valuations. ah yeah. at that point the home did absolutely become a vehicle for excess home prices rising from the case schiller index. i look at the number and i say yes, this looks good. it's much better than expected. you look at the number and say, nobody knows where the home prices are going to do. oh, people are increasing back and they buy a house. a major concern is how much can i sell this to someone else at the other end. it can be called the greater fool. maybe i'm a fool device, that's a big house. but i'm going fell into an even greater for the

people. there were people who thought 50 or 100 years ago that home prices should decline with time. and the reason is they were out don't expect it to gain the expected lose value. that was a common view in the past for so long. we have com as a society to place a tremendous amount of value on the home itself. and the bigger the home, the better it's interesting because live in town and the houses were meant to evolve and change as families evolved and changed over time. the idea was that this home would be livable all your life. you could have one bedroom or 3 bedrooms, depending on what your needs were at the time. and this area,

what could be an extension of the living room, or to be close off and become a bedroom? close here. close here. and then you an answer from the hallway. so i have coming out from the federal hallway now where all the entrances onto the bedrooms. so it could be either one bedroom or 3 bedroom right now we create the one bedroom here and in the rear base. the one bedroom that could be partitioned with a rolling wall, so it will become 2 bedrooms. there was an extension of dynamic coming out of postwar idea of what the house provided wasn't really about the up scaling or the super sizing of the house. and so that relationship between the gr,

the physical house was still somehow in balance. subsequently, people began to make the scale shift where the houses became just large. i'm in love with this indoor trains. hope and if i guess i think it is where your dining room with me a lot about the 5000 square feet. it's only one of their case that kind of feels like back there. kid. i feel like it's very track home and she attached office to see the set up. it's really more suited grandma. she doesn't really want to have a detach unit. thing. grandma needs for foot ceilings mcmansions.

they're going away. the dodo bird. people want to buy what they need and they don't want any extra. and this has so much square footage a wasted space. they might get away with one more sale, but in the years to come, it's going to be tougher and tougher. the higher ones are fine here. there's just tremendous economic dependence on this idea that we can keep building new single family homes on their own lives. and that they have to keep marching across the u. s. landscape . because it's a huge part of what the economy depends on her health and wellbeing. don't take care. yes. so our property line is just basically the white picket fence all the way around, all the way back up to there. so we're going to have a,

our garden over here and a chicken coop over there. gigi is a grand champion, not so much told j. so this whole industry of easy, quick money for property did not end at the retail borrower. developers were exposed to these funds. so these companies were going in and buying up swaps of land from these farmers at ridiculous prices. just given them enough money for their great grandchildren to retire. and it was just so hard to say now and that's where you see all of the citrus farms in the inland empire gone the in of course the cities were loving it because the tax basis on real property was

a house on it is far higher than farming the cities were seeing their tax base quintuple literally overnight and the developers stopped the long when i would show the wrong. why don't just don't the world yes to fill out the scene because after an engagement equals the trail, when so many find themselves well, the part we choose to look for common ground in

ah, with me ah ah, i use the

military mission again, stay will conclude on august 31st, i went to the phone for who did a go to what i thought the quote unquote a young girl. and i will bundle you so much you got to do that to your company. so you cut the cut over the whatever the most. okay. that was the quote things alicia. very good. this was the right weapon against the right and the local. no, no, no, body bombarded was filled out through z o o z the, the signing of the us to all about agreement and laid the groundwork for the road ahead toward a lasting peace in afghanistan. and

i know that mcdonald and her the upcoming dance still dominates the headlines this monday. the united states is reportedly changing its policy it cobble apples. now only americans and citizens of nato countries will be allowed through plus green card holder. there's no further provision for afghan to work for the coalition forces. as of now earlier, some of those employed by foreign states did manage to place, but their relatives remain in the country now living in fear for their lives. we spoke to one translator on condition of complete anonymity because risks remain high. i believe that americans are responsible for the negligence. and today's anybody will be killed as a result of this will be on behalf of the be american government. and.