From Titans To Lemmings Part 1

From Titans To Lemmings Part 1

Coming Soon For The White RaceComing Soon For The White Race

From Titans To Lemmings – The Suicide Of The White Race

1. Selected For Extinction
Background

Recently, British National Party Chairman Nick Griffin made a statement describing the plight of the indigenous British people. It was short and to the point:

“What is happening in Britain is a bloodless genocide.”

For once in his political life, this astute politician is mistaken. What is happening in Britain today is indeed a genocide but it is far from bloodless and this blood-thirsty genocide is superbly described in the BNP’s “Racism Cuts Both Ways” pamphlet which provides strong evidence that whites are by far the most likely to be victims of racial hatred. As aliens from all around the world continue to flood into Great Britain, racial violence against the indigenous British people continues to escalate.

And let’s not forget please, the 6 million + aborted babies who have been denied life in Britain since 1967.

As more and more unwanted immigrants pour into our land, the British way of life changes. Communities built up over hundreds of years and who were never consulted about the invasion of their land are changed irreversibly. A once advanced society is diluted as immigrants from third-world lands bring their retarded religions, superstitions, hatreds and traditions into Britain whilst demanding the indigenous British pay them for the privilege of living in a land they are deliberately changing and destroying without a care.

Should any Briton speak out about this colonisation of their homeland, they are vilified and demonised as “racists”. It is an effective control weapon that cowers the majority of native Britons into meekly and silently accepting the destruction of their nation.

But Great Britain isn’t the only nation to be suffering this fate. Australia, a land where it was once so difficult to emigrate to, has opened its borders to Asians and Arabs. The United States is being flooded by Mexican immigrants and of course also has enormous problems with its restless Black community who demand more and more whilst giving less and less and who have recently demonstrated that their allegiance is to their own kind with 95% of blacks voting for Barack Obama. Cries of “Racists!” curiously absent. Strikingly, 65%of white Americans voted for Obama too.

Meanwhile, Europe continues to be flooded by immigrants from Africa, the Middle East, Asia, and the Balkans and a once mighty continent is now collapsing.

Rhodesia and South Africa, nations that thrived and became first world countries under white rule have now become third-world hell-holes where whites have been murdered in their thousands, are repeatedly discriminated against and whose lands are unceremoniously stolen from them under the falsity of “entitlement” leading to white exodus. And unsurprisingly, black-on- black violence is also rife under black rule with millions of blacks being abused and slaughtered by their own people across the dark continent. Unsurprising that is to those who know the turbulent, violent, tribal history of Africa.

Whilst Africans flood to Europe seeking a better life and to grab as many free and generous handouts as Europeans will give them without giving much – if anything – in return, black Africans are making it clear that whites are despised and are not welcome in the lands of Africa the industrious whites made prosperous and cultivated to feed not just the colonies but the whole of Africa.

And as black rule leads to disarray in African nations, the white race continues to send aid and money via a multitude of self-perpetuating charities, aid that just papers over the deep cracks and only serves to keep the suffering and the violence ongoing. A superficial band-aid that does little to heal the ever- festering lesions inherent in African tribal cultures.

Little Israel, the sole homeland for the Jewish people and the only democracy in the Middle East, is deceptively portrayed as a “Nazi” state, with the world through the viper’s nest of The UN demanding it surrender more and more of its own territory. Territory that will be used to launch murderous attacks against innocent Israeli citizens, attacks that will not cease until Israel is “wiped from the face of the earth” as is the stated goal of the Iranian mullahtocracy.

Add to this the fact that the white race isn’t breeding sufficiently enough to ensure it reproduces itself and it is abundantly clear that what is happening in the world now – and has been happening for at least fifty years – amounts to a holocaust against western civilisation and the two peoples who advanced humanity more than any other: The Whites and the Jews.

But the core of the problem isn’t hatred or hostility from other competing and less advanced races. The core of the problem is that the white race is committing suicide because it is collectively refusing to play by nature’s rules.

It is my contention that the white race has wilfully descended into a fantasy world, a surreal world dominated by illusion, ignorance and insanity. The current generations of whites are the first generations in western history to choose devolution over evolution and therefore, Mother nature has selected this race for extinction, possibly in as little as 100 years.

So how can a race that created the greatest and most advanced societies in human history, societies that held the highest hope for the whole of mankind, reach a point where its future survival is now threatened? It is a question I have spent much time considering and I will attempt to offer some possible answers in this series of essays.

For The Love Of God

The influence played by the Judeo-Christian religions in building Western civilisation is enormous. Duty to God, the nuclear family as the bedrock of society, the importance of community, strong moral codes, ethics and values and rule of law based on the ten commandments and the teachings and examples contained in the Old and New Testaments laid the rock-solid foundations upon which the mighty West was built.

In Britain today, Christianity is now in its death throes. Priests deliver the message of Christ “the Prince of Peace” to half empty churches, churches that have yet to be converted into Mosques that is, a lamentable fate shared by churches across the length and breadth of Britain. Christian worship and church attendance, once a vital hub of community life, is now no longer an important part of British life, and it is difficult to see a reverse to a decline that began with the end of the Second World War and continues apace today.

Contrast this with how Mosques in Britain are at the fulcrum of Muslim communities.

The great German philosopher Friedrich Nietzsche predicted that Christianity would be abandoned in the 20th Century. But he made a very insightful analysis that I believe highlights a very serious flaw with the white race and offers a first possible answer to our question.

Nietzsche realised that Judeo-Christian religions contained an inversion of morality. He correctly stated that these religions assert that it is moral to be weak, persecuted, oppressed, wretched. Only the poor, the meek, the sick and the exploited can be pious and blessed by God. Conversely, to be strong, powerful, to assert superiority, to be noble, to be wealthy, is to be immoral and is to be damned by the almighty for eternity.

For this inversion of morality, Nietzsche labelled Christianity as “A religion of pity”. It is an assessment that has proven to have more repercussions than this gifted scholar ever thought. A perceptive genius so hated by the church it black-labelled him as a heretic.

What is so prescient today about Nietzsche’s analysis is that he predicted that religion – Christianity – would be abandoned en masse in the 20th Century but that people would still cling to the inversion of morality, that the strong and the powerful are evil and that people who are not strong and powerful are victims, and therefore, they and they alone are the just and the good.

It is a very serious weakness and since the Second World War, this weakness has been exploited to the full by the enemies who are destroying the west: Marxists/Socialists, Globalists and Islam.

A New Religion

Since the end of the Second World War, western societies have suicidally opened their borders to mass immigration from the third world. For Britain, millions of aliens from Africa, Eastern Europe, India, Pakistan, The Far East and the Caribbean have swarmed into the nation and are changing Great Britain for the worse and irreversibly so.

It has happened because of the rise of a new religion created by Marxists: Liberalism and its holy trinity: Multiculturalism, Political Correctness and Tolerance. This religion preaches the gospel of equality. They insist that all races are equal, the sexes are equal, all cultures are equal, and that the powerful west is evil because it has oppressed and persecuted the poor and the weak of the world throughout its ignoble history. The evil imperial west invaded foreign lands, murdering, raping and looting as it went, enslaving other races and stealing their natural resources for its own greed and gain.

It’s a gross distortion of the reality of western history but this is the crux of how Marxists are destroying the west. They are deploying the very same inversion of morality identified by Nietzsche, by laying a guilt trip on the entire white race, and demonising this race as a strong, powerful, EVIL race because it only became powerful by oppressing and exploiting weaker races.

This demonisation of whites as being powerful and evil and non-whites, especially the African black, as being weak and a victim isn’t solely restricted to other races as you’ll now see.

Badge Of Honour

The Marxist tactic of portraying almost all other racial groups as victims of the powerful, evil whites has been enormously successful in shaping the nightmare of modern-day, multicultural Britain. The doctrine of Multiculturalism and racial equality tolerates no opposition and just as those who questioned the existence of God and Christian dogma were smeared as heretics throughout the history of Christianity, so too does the new religion of Liberalism have its heretics. Should anyone dare question racial equality or oppose immigration and multiculturalism, they are vilified as “racists”, one of the most powerful of Orwellian thought control weapons and one of the worst “sins” any native white Briton can commit.

Those who do possess the temerity and the courage to question the multicultural dogma will find themselves before the new devout inquisitors, the fanatical and pious white-hating clerics of the Race Relations and Human Rights NGO’s so rife in the west but conspicuous by their absence in Africa and the Middle East.

But the Marxist zealots also realised that portraying other races as the poor, oppressed, innocent victims of the evil white race was a successful tactic that could be used to further create their just and fair society of equality by creating more victims within many other minority groups throughout society. For example:

 Homosexuality is no different to heterosexuality and homosexuals have been unfairly discriminated against and persecuted by evil, homophobic whites. All sexuality is equal and to discriminate against somebody because of their sexuality is evil.

 Women have been dreadfully exploited and oppressed by powerful, evil white men who have abused them and treated them as second-class citizens. Wives have been relegated to inferior beings and disgracefully treated as serfs and sex objects who must obey their lust-crazed, misogynist husbands.

 Criminals are the victims of an oppressive, unjust and divisive society. The wealthy and the privileged classes impose social injustice upon these wretched people, abandoning them, leaving them with nothing to do, no hope for the future so the only option they have is to turn to crime in frustration.

 The evil capitalist West has been spewing out poison and consuming all of the earth’s precious resources. The powerful, industrialised west has

been destroying the environment, contaminating and polluting the earth’s atmosphere and changing the climate. They’ve stolen the precious natural resources of poorer, weaker nations without a care for the irreversible damage they were causing and these wicked people will destroy our precious, but fragile planet.

 The greedy, avaricious Jews are controlling the world, they own all the world’s banks and they control all of the film industry and the media. They are destroying the entire world because of their insatiable greed and hatred for all other races because they believe they are God’s chosen people.

 Muslim terrorist attacks on the west are entirely the fault of the warmongering west. They’ve always been massacring Muslims, they slaughtered them during the crusades and the Muslims still feel anger about that and rightly so. Now we’re slaughtering them again because powerful, Christian neo-conservatives and Zionist rich American Jews want to make more and more money from war and steal the Arab’s oil.

 Israel is an evil, terrorist, Nazi state that has no right to exist. All of the world’s problems are caused by this wicked nation. The Jews had no right to kick the Palestinians out of their homeland and the Nazi Jews have been committing a holocaust on these poor people ever since.

 All wars are the fault of white people. Europeans especially, and their states must be destroyed so Europeans don’t kill each other for nothing ever again. If this doesn’t happen, the Nazis will rise up again all over Europe and more wars and atrocities will be committed. The only way to prevent this is to create a single, multicultural Europe where all people are equal and all nations are dependent on each other.

 Children have been brainwashed and oppressed by evil western ideologies that force them to discriminate based on evil concepts such as sex, sexuality, family status, competitive sport and ability. These evil and divisive judgements stifle, confuse and upset the child and it must be stopped because all children are equal.

 Blaming other races for raping white women is racism. These women dress in a way that is provocative and offensive to other races and if western women get raped by confused ethnic minorities well, they have only themselves to blame and they should dress in a more modest and respectful manner.

 Demanding that immigrants who want to live in the west should adopt

western cultures and our way of life is racist. Their culture is important and equal to ours and instead of denying these people their right to their culture, we should be more tolerant of their culture by integrating their culture with our own so it enriches western society.

 Apartheid is one of the most evil things to have ever happened. What the whites did to the poor black people in their own homeland was despicable. Greedy whites have no right to be in Africa and everything that the whites have stolen should be given back to the native Africans because Africa is their land and they are entitled to everything in it.

OK, I could go on – and on, and on – like this but what I am trying to do is illustrate how morality is being inverted to create a culture of victim hood. This is exactly what Nietzsche predicted, that the strong, the noble and the powerful will always be portrayed as wicked and evil, and those who are the victims will be portrayed as the just and the good. Instead of maintaining the best parts of the Judeo-Christian faith that made Great Britain so strong, the white race has ditched them and maintained the worst parts, the moral inversions of victim hood and pity as virtuous. And look at Britain now, just look at Britain now.

Play By The Rules

What is happening now throughout the west can be accurately summed up as “The Tyranny of the Minorities.” Because to be in a minority group is to be a victim and to be a victim is to be just and good and it is these groups that are dictating morality to the rest of society. In other words, the weak are leading the strong.

There is just one major problem with this: It is wholly out of tune with the laws that Mother nature requires all life on planet earth to be subject to, laws that Charles Darwin diligently explained. Natural selection is nature’s way of ensuring the survival of species. Any species that does not adhere to the rules of nature will be selected for extinction. That is the harsh reality of life on this planet, a harsh reality the west is trying to avoid by conforming to sugar-sweet but ultimately destructive childish fantasies.

In doing so, and it has been doing so for the last fifty years, the white race has decided to fly in the face of Mother nature and there will only be one winner, as always. No race, no species on planet earth can fight Mother nature and win and if it tries to it will not survive.

Every species has to act in a way that ensures its own survival and it does so by putting its own interests first. Human beings are pack animals – and by far

the most dominant of pack animals – and in the animal world, pack animals have a strict “pecking order” that puts the strongest as leaders. Leaders bring order to the pack and they also protect the pack from outside threats. They do not, ever, put the interests of another species first and in fact, they will not even put the interests of another pack from its own species before the interests of their own pack.

Can you imagine for example, a lion abandoning all of the behaviours that have ensured its survival and made it one of the most dominant predators in the animal world because it starts to feel pity towards say, another pack of lions? Instead of sharing the kill with its own pack, the lion invites another pack of lions to eat the kill first because he knows they’re not as good at hunting zebra as his pack are. Can you imagine the lion then feeling pity for the zebra and convincing his pack they should turn vegetarian because they are exploiting weaker animals who deserve to share the abundance of the plain as its only fair? Perhaps the lion then decides that cheetahs, leopards and wildcats should join the pack and have equal mating rights with the lionesses because “all cats are equal, and to discriminate between cats is catism and I’ll exclude any lion from this pack who refuses to treat all cats equally”?

It’s an insane scenario isn’t it?

It’s insane because even animals instinctively know that placing the interests of others before their own will destroy them. Yet the white race is now doing exactly what dominant pack animals are not – INCLUDING THOSE FROM OTHER HUMAN RACES – because it has collectively embraced the pity-for- victim inversion of morality that means the strong and powerful are evil and the victims are the just and the good precisely as identified by Nietzsche. What kind of mad species puts the interests of other species – that’s the plural form by the way – before its own?

A soon to be extinct terminally dumb one. And the white race IS dying precisely because of this insane behaviour. Other pack animals from the human race know this and they are now prosecuting the genocide of the white race without any sense of pity by colonising the west and demanding the west put the interests of the colonisers before the interests of its own people. At the same time, they are making it clear that the white man is not welcome in their lands. That the west WILLINGLY complies with all of this is absolute suicidal madness without question.

Take a very good look at the world. Look at the Middle East – do you see Multiculturalism in Islamic countries? How about in the countries of the Far East? Do you see Multiculturalism in China, Japan, Vietnam, North and South Korea? How about setting up An African Union and telling all African nations

that the world is now multicultural, that all African nation states are to be dismantled and a single Africa under the banner of the AU will be created. Better not forget to inform them that the AU wants to accept millions and millions of immigrants from all over the world into Africa as it’s “good for the African economy”.

Then whites can tell them how evil the black man has been, how oppressive he has been, how abusive he has been and how African tribal culture is evil and “racist” and then demand that he share half of everything in his homeland to make immigrants feel welcome because we’re all equal.

You tell me – how do you think this would be received? If you need a clue, ask the remaining Boers in South Africa – while they’re still alive.

This is the insanity of western nations. Because if only one race – in this case, the white race – plays the multicultural game while all other races maintain their identities and nation states then this isn’t multiculturalism it is mass suicide on the one hand and pitiless genocide on the other. And as with all genocides, it most certainly isn’t bloodless. And IT WILL get worse unless the white race regains its sanity – and it had better regain it damn quickly.

In part two, I will elaborate on this further by examining how one of the most self-destructive and evil ideologies being imposed upon the white race is nothing more than a deadly illusion.

America’s Bread And Circus Society

America’s Bread And Circus Society

By Chuck Baldwin

The Roman poet Juvenal (circa 100 A.D.) wrote regarding the way latter-day Roman emperors retained power and control over the masses that were seemingly more than happy to obsess themselves with trivialities and self-indulgences while their once-great-and-powerful empire collapsed before their very eyes. He wrote:

“Already long ago, from when we sold our vote to no man, the People have abdicated our duties; for the People who once upon a time handed out military command, high civil office, legions–everything, now restrains itself and anxiously hopes for just two things: bread and circuses.”

I submit that a good many in America are, like Rome of old, carelessly frittering away their God-given liberties, foolishly clamoring for nothing more than government handouts and never-ending entertainment. Millions and millions of Americans (especially males) are literally intoxicated with sports. Sports are no longer a great American pastime; they are now a great American obsession.

Mind you, this writer has been a sports fan all of his life. I began playing organized basketball in the fifth grade; I was on the high school wrestling team; I played football in high school and college; and I ran track. Still today, I enjoy watching a good NFL game (yes, I’m still a Green Bay Packers fan), a good college game when the Gators are playing, a good NCAA men’s basketball game (especially during the tournament–even more so when the Hoosiers are in it), and any NBA championship series between the Celtics and Lakers (I root for Boston). And I even like to watch a round of professional golf once in a while (it helps me go to sleep when I’m trying to take a nap). But none of the above will interfere with anything that is important, and I am not going to plan my whole universe around any of it. If it is convenient, I will watch. If it’s not, I will read about it in the sports section of the newspaper. And I’m certainly not going to spend my hard-earned money following any sports team (even those I like) all over the country like some rock band groupie.

I am not talking about sports in general; I am talking about the way many American men have allowed sports to control and dominate their lives. With many, sports are not just a hobby; they are a religion. I cannot count the number of conversations between men that I overhear in restaurants, airplanes, boardrooms, and, yes, even church houses, in which every man in the circle is literally consumed with all sorts of sports facts, information, and opinions. In many such discussions, these men will talk about nothing else. To these men, there is absolutely nothing in the world more important than the latest sports score, announcement, or trade. NOTHING!

And there is also a very real psychological pitfall associated with a man’s intoxication with sports. I submit that an obsession with sports gives men a false sense of masculinity and actually serves to steal true manhood from them.

For example, it used to be when men stripped their shirts off and painted their faces, they were heading to the battlefield to kill the tyrant’s troops. Now they are headed off to the sports coliseum to watch a football game. A man’s ego and machismo was once used to protect his family and freedom; now it’s used to tout batting averages and box scores. The fact is, if we could get the average American male to get as exercised and energized about defending the historic principles upon which liberty and Western Civilization are built as he is in defending his favorite quarterback or NASCAR driver, our country would not be in the shape it is in today.

The sad reality is that much of today’s masculinity is experienced only vicariously through a variety of sports teams and personalities. Instead of personally flexing our muscles for God and country, freedom and liberty, or home and hearth, we punch the air and beat our chests over touchdowns and home runs (even though we had absolutely nothing whatsoever to do with them ourselves). Instead of getting in the face of these would-be tyrants in Washington, D.C., who are doing everything they can to steal the American dream, we get in the face of the poor umpire who makes a bad call or the Little League coach who doesn’t play my son enough. Our happiness, well-being, and mood are not determined by anything personally achieved (or lost), but by what others accomplished (or didn’t accomplish) at the ball park. Whether our children inherit a land of liberty and freedom does not seem nearly as important as whether they make the starting lineup on the football team.

Add to an epidemic obsession with sports the demand for more and more handouts from Big Brother and the outlook for liberty is not good. Everywhere we turn, we seem to hear people clamoring for government to give them more and more. They expect government to supply their every need and meet their every demand. They then have the gall to turn around and say, God bless America: land of the free”?

Ladies and gentlemen, one cannot have it both ways. If we expect government to be our supplier, we cannot expect that it will not become our master. Always remember this: government has nothing to give except that it first takes it from someone else. Every dollar and every job that government gives is first taken from someone else. Furthermore, every job given to government is another freedom–and another dollar–taken from the citizenry. Every government job brings with it a restriction, a prohibition, a regulation, an inspection, a fee, a tax, an assessment, etc. As government grows, freedom shrinks. As government spends, wealth shrinks. And as government hires, opportunity shrinks.

Most historians agree with Juvenal that the mighty Roman Empire collapsed from within due to a morally reckless, selfish, pleasure-crazed, sports-obsessed, bread and circus society that willingly surrendered the principles of self-government to an insatiable central government that, through perpetual wars and incessant handouts, destroyed a once-great republic.

By all appearances, the bread and circus society has reared its ugly head in America. And make no mistake about it: if the people of the United States do not quickly repent of this madness, the consequences will be just as destructive for our once-great republic as it was for Rome.

Dr. Chuck Baldwin is the pastor of Crossroad Baptist Church in Pensacola, Florida. He hosts a weekly radio show. His website is here.

The Minority Mortgage Meltdown: More Evidence—But Our Elite Doesn’t Want To Know

The Minority Mortgage Meltdown: More Evidence—But Our Elite Doesn’t Want To Know

By Steve Sailer

We keep satirizing this, but now a Washington Post news story really is headlined

Minorities hit harder by foreclosure crisis

“Minority homeowners have been disproportionately affected by the foreclosure crisis and stand to lose homes at a faster pace than white borrowers in the future, according to a report released Friday by a nonprofit research group. … The ‘analysis suggests dramatic differences in how the foreclosure crisis has affected racial and ethnic groups,’ the report said. ‘African American and Latino borrowers have borne and will continue to disproportionately bear the burden of foreclosures.’ “

(By Renae Merle, Saturday, June 19, 2010)

If you translate this out of the evasive passive voice and into the active voice, you come up with something more informative, namely:

AFRICAN AMERICAN AND LATINO BORROWERS DEFAULTED AND WILL CONTINUE TO DEFAULT DISPROPORTIONATELY.

But defaults couldn’t possibly be the fault of the defaulters, if the defaulters are minorities, could they? So instead, Felix Salmon of Reuters asks Are foreclosures racists? June 18, 2010:

“If you’re a high-income Latino with a mortgage, you’re almost twice as likely to be facing foreclosure than a high-income non-Hispanic white person. And in general, the foreclosure crisis is hitting blacks and Latinos much harder than it is whites, according to a startling new report from the Center for Responsible Lending.”

Now, you might think that foreclosure rate has something to do with, say, blacks and Hispanics having remarkably fewer financial assets to use as safety cushions in case housing prices don’t continue to rise. After all, a 2007 Federal Reserve Board report to Congress (PDF) noted:

“Black and Hispanic families are less likely than non-Hispanic white families to have any financial assets, so the disparity in median financial assets for all families (rather than just those with financial assets) is even larger, with the overall medians for black and Hispanic families roughly 5 percent to 7 percent of the non-Hispanic white median.”

Moreover, African-Americans and Latinos are less likely than whites to have prosperous relatives who can help them out with a loan if they are in danger of defaulting.

You might think that, but being aware of those facts just shows you are a racist. Salmon [Email him] writes:

“I’ll hazard a guess and say that this probably has something to do with a lot of middle- and high-income Latinos in California and Arizona being sold subprime mortgages, even when they qualified for a prime loan.”

The Washington Post’s Merle agrees that discrimination is the cause:

“Research has shown that minority borrowers were more likely to receive subprime loans during the housing boom even if they had credit scores, incomes and loan sizes similar to those of whites. Some housing experts say that minority borrowers received higher rates on subprime loans compared with similarly situated white borrowers, resulting in higher monthly payments and quicker defaults.

“‘I think it reflects that minority borrowers were targeted by the sellers of these [risky] mortgages,’ said Barry Zigas, director of housing and credit policy at the Consumer Federation of America.”

Obviously, minority borrowers were targeted—the federal government has been promoting mortgage lending to minorities for more than 30 years.

But if blacks and Hispanics were more creditworthy than lenders were giving them credit for being, then they’d have lower foreclosure rates than whites, right? But this report is about how they have higher foreclosure rates. (This point was first made in Forbes magazine by Peter Brimelow and Leslie Spencer back in 1993—when it could have saved us all a lot of trouble).

In fact, blacks and Hispanics have even worse foreclosure rates than this study claims. Although the Post and Salmon don’t mention it, the report flat-out admits that its crude methodology underestimates the gap in default rates between whites and Non-Asian Minorities:

“Like all estimates, ours has limitations. Most importantly, our method only captures differences in foreclosure rates between racial and ethnic groups that are due to differences in distributions of loans along the four dimensions that we use when calculating foreclosure rates (i.e. loan year, state, occupancy and loan segment). … Within the list of potential factors not included in our analysis, several tend to be associated with both higher foreclosure rates and borrowers of color. As a result, our results are likely to underestimate racial and ethnic disparities …”

The three researchers from the Center for Responsible Lending (Debbie Gruenstein Bocian, Wei Li, and Keith S. Ernst) don’t actually have data on foreclosures by race. Instead, they have federal data by race on who receives mortgages and they have private data on who fails to pay them back (but the foreclosure data doesn’t mention the race of the defaulter). Instead, the CPL is, as they confess, “implicitly assuming” that the foreclosure rates are identical across races for each type of loan (e.g., 2006 California owner-occupied subprime).

Fortunately, other researchers have actually done the hard work of matching public race information with private foreclosure information, mortgage by mortgage. And they have found the CPL’s assumption of racial equality in foreclosure rates within segments to be wrong.

For example, the 2008 study Lending in Low- and Moderate-Income Neighborhoods in California (PDF) by Dr. Elizabeth Laderman and Dr. Carolina Reid of the San Francisco Federal Reserve Bank calculated foreclosure rates by race on 239,000 mortgages in California handed out during the Bubble:

They concluded:

“We also find that race has an independent effect on foreclosure even after controlling for borrower income and credit score. In particular, African American borrowers were 3.3 times as likely as white borrowers to be in foreclosure, whereas Latino and Asian borrowers were 2.5 and 1.6 times respectively more likely to be in foreclosure as white borrowers.”

This shouldn’t be a new discovery.

The March 2004 report Analysis of FHA Single-Family Default and Loss Rates for the Department of Housing and Urban Development by Robert F. Cotterman showed that black and Hispanic default rates on Federal Housing Administration mortgages handed out in the 1990s were more than twice as bad as the white rate. Even when adjusted for FICO scores and other objective factors related to credit risk, minority default rates still look worse.

Cotterman observes:

“Blacks, Hispanics, and those in judicial foreclosure states and underserved areas have higher conditional loss rates, other things the same.”

A careful 2008 Boston Federal Reserve study, Subprime Mortgages, Foreclosures, and Urban Neighborhoods, by Kristopher S. Gerardi and Paul S. Willen found that blacks and Hispanics had higher foreclosure rates on subprime mortgages in Massachusetts back through the late 1990s.

Minority default rates are not a minor technical issue. The volume of lending to minorities during the Housing Bubble was much vaster than is widely understood. According to the federal Home Mortgage Disclosure Act database, minorities received half of all subprime mortgage dollars nationally during the 2004-2007 Housing Bubble. At the Ground Zero of the disaster, California in 2006, minorities got 77 percent of all home purchase subprime dollars and 56 percent of total home purchase dollars.

Mortgages were the fundamental units out of which the financial industry, private and public, built their pyramid schemes.

These fast-buck artists could get away with it for a simple reason: in our culture today, when bankers (such as Angelo Mozilo of Countrywide, Roland Arnall of Ameriquest, Richard Syron of Freddie Mac, and Kerry Killinger of Washington Mutual) and politicians (such as Henry Cisneros and George W. Bush) demand more lending to minorities, they aren’t derided as conmen, moonshooters, fast-buck artists, usurers, boiler-room operators, suckers, or fools.

Instead, they are praised as financial statesmen winning the war against racist redlining.

Which brings us to today.

It’s time once again to trot out the biggest cliché in all of journalism: philosopher George Santayana’s observation that

“Those who cannot remember the past are condemned to repeat it.”

Here we are, almost three years after the subprime market tanked in the summer of 2007 and 20 months after the economy as a whole followed subprime down the drain. And our country’s big guns are still trained not on learning from our mistakes, but on continuing to obliterate supposed stereotypes about the creditworthiness of minorities—the same obsolete obsession that helped get us into this mess.

This isn’t to say that the subprime-initiated mortgage meltdown was the only cause of the crash, or that the crash wouldn’t have happened later anyway. What I’m saying is that mortgages were the direct impetus of the economic disaster, just as the Wall Street Crash of October 1929 led to the Great Depression or the assassination of Archduke Franz Ferdinand in the summer of 1914 was the direct cause of the Great War. Similarly, America may well have eventually gotten involved in WWII if Pearl Harbor had never happened, but Pearl Harbor was the direct cause of our entry into the Second World War.

In the cases of 1914, 1929, and 1941, a huge amount of intellectual effort has been devoted to understanding these precipitating events. In contrast, the Main Stream Media account of the causes of the Housing Bubble and Bust are still severely lacking, largely because everybody who was anybody—e.g., Bill Clinton, George W. Bush, and Barack Obama—were all in essential agreement that minorities should get more mortgage dollars.

And they were all wrong.

Unfortunately, public discourse in modern America mostly doesn’t exist to find answers to important questions. Instead, it exists to furnish talking points to partisans for attacking other partisans. Since there was broad agreement that minorities should borrow more, nobody is in any hurry to revisit this bipartisan blunder.

Consider the Federal Reserve Board dissertation from which I quoted above:

Report to the Congress on Credit Scoring and Its Effects on the Availability and Affordability of Credit

Submitted to the Congress pursuant to section 215 of the Fair and Accurate Credit Transactions Act of 2003

August 2007

The second paragraph of this Fed study mandated by the 2003 Equal Credit Opportunity Act (ECOA) explains that it was done to determine if “credit-scoring models may have adverse effects on certain populations, particularly minorities”. The legal Theory of Disparate Impact states that any evidence of black or Latino underperformance in anything is evidence of “discrimination” unless rigorously proved otherwise.

But, as this graph from the Fed study of 301,536 individuals’ credit history through 2003 shows, blacks and Hispanics had lower credit ratings on average (using a 0 to 100 scale devised by the Fed researchers).

In other words, the Fed spent the Housing Bubble years of 2003-2007 compiling a 304-page report demanded by Congress on whether credit scoring systems (e.g., FICO scores) were irrationally preventing minorities from borrowing enough.

This report wasn’t worked on from 1963 to 1967, when the Civil Rights movement triumphed, but from 2003 to 2007, a period in which exactly the exact opposite problem—minorities being loaned more than they could afford to repay—was about to bring down the American economy.

I’ve called that the Guns of Singapore Syndrome—although that’s unfair to the otherwise incompetent British commanders who lost that city in early 1942 in what Winston Churchill called the “worst disaster” in the history of the British Empire. The British had famously installed 15” coastal cannons aimed to protect Singapore from attack by sea from the south, only to have the Japanese army attack by land from the north. (Actually, the British did manage to swivel most of the guns around—although, unfortunately, they were furnished largely with armor-piercing anti-battleship shells ineffective against infantry).

In contrast, our elites haven’t managed to swivel much at all. They’re still acting as if it’s 1967 and the perceived problem is discrimination against minority borrowers. They’ll go so far as to change the name of what they are denouncing from redlining (the bête noire of the Clinton and Bush Administrations) to reverse redlining (what Obama is out to stomp), but that’s it. They aren’t going to learn anything. They are simply allergic to facts.

Now, you might think that it would have been more sensible for Congress to have the Fed study why minorities were getting so many loans they couldn’t pay back. But, no, our Guns of Singapore are permanently pointing out to sea.

For instance, that 2007 Fed study of the credit scores and repayment performance on all types of credit over the subsequent 18 months found that rather than credit scoring having an unfair impact on blacks, blacks had an unfair impact on credit scoring. The biggest problem with the predictive validity of credit scores turned out not to be that they were biased against African-Americans, but that credit scores were biased in favor of African-Americans. Blacks not only had lower average credit scores, but they were significantly less likely to repay their loans than whites with the same scores:

“The analysis conducted for this study finds that credit scores consistently predict relative loan performance within all population groups; that is, for all populations, the percentage of individuals experiencing a serious delinquency on one or more of their credit accounts consistently declines as credit scores increase….

“The analysis also finds that some groups perform worse (experience higher rates of serious delinquency) on their credit accounts, on average, than would be predicted by the performance of individuals in the broader population with similar credit scores. For example, on average, blacks perform worse than other racial and ethnic groups with similar credit scores.”

In other words, FICO scores work overall within groups at predicting likely deadbeats. The problem is between groups—but the bias is in the opposite direction of what Congress wanted to find!

You’ve probably read a lot about credit over the last three years. How often have you heard the conclusions of this 2007 Fed study mentioned?

I hadn’t heard of it until last week! And I’ve written on the subject dozens of times going back some three years.

[Steve Sailer (email him) is movie critic for The American Conservative. His website www.iSteve.blogspot.com features his daily blog. His new book, AMERICA’S HALF-BLOOD PRINCE: BARACK OBAMA’S "STORY OF RACE AND INHERITANCE", is available here.]

A Hatred Like No Other

A Hatred Like No Other

I’ve ranted a lot about the evils of liberalism, Obama and his motley crew of lowlifes. But no matter what I say about these freaks, seems that people just continue to let them systematically dismantle our nation and culture.

Every single day I turn on the news, I’m treated to yet another nasty surprise where Obama or one of his ilk have attacked yet another thread of the great tapestry that holds our nation and way of life together. Thread at a time they unravel it, until now we have a great, gaping hole where many of our freedoms and joys in being Americans used to be.

And it’s growing. That gigantic tear is now threatening to literally destroy us, and still these monsters are industriously chewing at it like termites on crack. None of them will be satisfied until every trace of us, our culture, and our very history are eradicated from this planet. That, my people, is hatred that borders on the brink of insanity.

This evening I listened to Mike Huckabee, that one time presidential candidate that was beaten out in the primaries. And for the first time I was actually glad he was. This man…this fool, finally let his hair down and revealed to me, and all those with intelligence, just what a nightmare he would have been if he had won the presidency. He stated flat out that he “doesn’t believe that Obama’s actions are deliberate.”

This is the same guy that was so pro-amnesty for invaders and a “controlled” immigration process.” In other words, allow them to continue to enter our country in the millions. Electing him would have been more of the same suicidal policies of the Bushes…far too afraid of angering our enemies to do what’s necessary to save our culture.

This has been our problem all along. The career politicians in our government were and are, far more concerned about their own personal gain than the welfare of this nation. To me that’s nothing short of high treason, and any man caught doing this should be taken out and shot.

Treason is a serious, serious crime. It affects the lives and security of every American alive, and the very existence of America. And any man that has the audacity to put his own greed and ambition before the welfare of an entire nation should be taken out in the square in front of the capitol building and shot on live TV as a warning to all lowlifes that we no longer tolerate this kind of monstrous evil. And that’s exactly what it is..monstrous.
.
The City of Los Angeles conducted a sting operation yesterday, busting over 4,000 illegals, blacks and various other third world immigrants for using disabled placards they didn’t own or deserve. In fact there were almost no whites at all caught up in the sweep. The police stated that they were only a tiny fraction of the total offenders in that city, and that across America there are millions doing this. These offenders were hit with a whopping $3,500 fine, impounding of their cars and a possible six-month jail term. These parasites were literally choking off vital parking for real disabled people, and arrogantly refused to stop.

I brought this up as a small example of one of those tiny threads our enemies are breaking. By bringing multi-millions of these third world parasites into the country, they set loose millions of unpaid agents that will do what they themselves don’t have the manpower to do. Immigration has nothing to do with the American ideal, but everything to do with destroying it.

Another expose’ reported on the evils being perpetrated on millions of hard working American families that are being systematically evicted from their homes by greedy mortgage companies and banks, who have found a way to make billions on the backs of our life savings..another bid by our mortal enemies to drain off every last dreg of American wealth before the end.

One of their favorite tactics is to auction off a house out from under a family…even if they’re only a few months behind in their payments, and even if the owners have a buyer for the property and are about to sell it and pay the bank off. After all, a nearly paid off house won’t pay them nearly as much as selling the house outright.

One family had sold their house for a $150,000 profit, plus pay the bank off. But GMAC sold the house at auction just ten days before the sale was final, even after they knew the owners were about to pay them off..and had agreed to wait.

What few know however, is that most of these financial institutions are doing this massive theft under orders from the Obama administration! This scam puts millions of white families on the street and turns their property over to the government controlled banks and financial institutions for sale or possession. Another large segment of our free market goes under government control, and another large chunk of America’s wealth falls in the hands of the Wall Street Jews and progressives.

And another thread is cut. And every time we try to fight back we are viciously attacked on every level, and I don’t mean by just the media. The government itself is attacking Americans..whites in particular, because they represent the biggest threat to their agenda. Obama and his people despise America and everyone in it. They are working feverishly to destroy as much of it as they can before we rise up and stop them. And like all true fanatics, they are willing to sacrifice themselves like suicide bombers to see their agenda completed.

Huckabee is a fool. He can’t see his enemy, even when he’s staring him in the face. Obama definitely means to destroy us. There is nothing accidental about his actions.

They are as deliberate as it gets. There is no stupidity involved because his advisers are really running things, and they are anything but stupid. We are now facing a fanatical, evil enemy who has complete control of our government. They are motivated by a driving force that has plagued our race for thousands of years..the Jews.

They possess a hatred like no other for gentiles, and especially whites. Our very existence is an offense to them because it is a glaring reminder that we, not the Jews, are the most advanced race on the planet. We created and or invented every important thing on this planet, from civilization, philosophy, agriculture, art, architecture, music, mathematics, electricity, medicine, radio, television, the electric light, flight, space travel, cars, air conditioning, computers, movies, the printed word, clocks, and even eye glasses. We lifted all the races out of the stone age and into the light of civilization. And they despise us for it.

Even today, most of the world looks upon us with hatred, envy and greed. No matter how much we give them, and no matter how much good we do for them and this world, it’s never enough to ease their hatred for us. They all want in here to take everything we have, then destroy us, even though they’re too stupid to realize that our tiny race (whites only make up a mere 7% of the world’s population), is the only thing holding this intricate mechanism we call civilization together.

Once we’re gone, it will all start to quickly unravel, until they all slide right back down into savagery and starvation. Like a rabid dog, they’re biting the hand that feeds them. We must always remember that as a race, we have no friends, no allies, no one we can trust. We are alone in this fight. So if we don’t stand up for ourselves..who will?

-The Lone Haranguer

Sewercide


Political Correctness is a doctrine fostered by a delusional, illogical minority and rabidly promoted by an unscrupulous mainstream media, which holds forth the proposition that it is entirely possible to pick up a turd by the clean end.

- The Lone Haranguer

Anatomy of a Failing Presidency


The following is an interesting article. You might ask how long Dr. Hunt can remain at NIH once the White House gets wind of it.


Dr. Hunt is a social and cultural anthropologist. He has had nearly 30 years experience in planning, conducting, and managing research in the field of youth studies, and drug and alcohol research. Currently Dr. Hunt is a Senior Research Scientist at the Institute for Scientific Analysis and the Principal Investigator on three National Institutes of Health projects. He is also a writer for American Thinker.

Anatomy of a Failing Presidency

Barack Hussein Obama is on track to have the most spectacularly failed presidency since Woodrow Wilson. In the modern era, we’ve seen several failed presidencies, led by Jimmy Carter and LBJ. Failed presidents have one strong common trait–they are repudiated, in the vernacular spat out. Of course, LBJ wisely took the exit ramp early, avoiding a shove into oncoming traffic by his own party. Richard Nixon indeed resigned in disgrace, yet his reputation as a statesman has been partially restored by his triumphant overture to China .

But, Barack Hussein Obama is failing. Failing big. Failing fast. And failing everywhere: foreign policy, domestic initiatives, and most importantly, in forging connections with the American people.

The incomparable Dorothy Rabinowitz (oy! gevalt!) in the Wall Street Journal put her finger on it: He is failing because he has no understanding of the American people, and may indeed loathe them. Fred Barnes of the Weekly Standard says he is failing because he has lost control of his message, and is overexposed. Clarice Feldman (oy! gevalt!) of American Thinker produced a dispositive commentary showing that Obama is failing because fundamentally he is neither smart nor articulate; his intellectual dishonesty is conspicuous by its audacity and lack of shame.

But, there is something more seriously wrong: How could a new president riding in on a wave of unprecedented promise and goodwill have forfeited his tenure and become a lame duck in six months? His poll ratings are in free fall. In generic balloting, the Republicans have now seized a five point advantage. This truly is unbelievable. What’s going on?

No narrative. Obama doesn’t have a narrative. No, not a narrative about himself. He has a self-narrative, much of it fabricated, cleverly disguised or written by someone else. But this self-narrative is isolated and doesn’t connect with us.

He doesn’t have an American narrative that draws upon the rest of us. All successful presidents have a narrative about the American character that intersects with their own where they display a command of history and reveal an authenticity at the core of their personality that resonates in a positive endearing way with the majority of Americans. We admire those presidents whose narratives not only touch our own, but who seem stronger, wiser, and smarter than we are. Presidents we admire are aspirational peers, even those whose politics don’t align exactly with our own: Teddy Roosevelt, FDR, Harry Truman, Ike, and Reagan.

But not this president. It’s not so much that he’s a phony, knows nothing about economics, and is historically illiterate and woefully small minded for the size of the task–all contributory of course. It’s that he’s not one of us. And whatever he is, his profile is fuzzy and devoid of content, like a cardboard cutout made from delaminated corrugated paper.

Moreover, he doesn’t command our respect and is unable to appeal to our own common sense. His notions of right and wrong are repugnant and he ideas of how things work just don’t add up. They are not existential. His descriptions of the world we live in don’t make sense and don’t correspond with our experience.

In the meantime, while we’ve been struggling to take a measurement of this man, he’s dissed just about every one of us — financiers, energy producers, banks, insurance executives, police officers, doctors, nurses, hospital administrators, post office workers, and anybody else who has a non-green job.

Expect Obama to lament at his last press conference in 2012: “For those of you I offended, I apologize. For those of you who were not offended, you just didn’t give me enough time; if only I’d had a second term, I could have offended you too.”

Mercifully, the Founders at the Constitutional Convention in 1787 devised a useful remedy for such a desperate state–staggered terms for both houses of the legislature and the executive. An equally abominable Congress can get voted out next year. With a new Congress, there’s always hope of legislative gridlock until we vote for president again two short years after that.

Yes, small presidents do fail, Barack Hussein Obama among them. The coyotes howl but the wagon train keeps rolling along.

Margaret Thatcher: “The trouble with socialism is that sooner or later, you run out of other people’s money.”

“When you subsidize poverty and failure, you get more of both.”
- James Dale Davidson, National Taxpayers Union

“The more corrupt the state, the more it legislates.” – Tacitus

“A liberal is a person who will give away everything he doesn’t own.” – Unknown