The American real-estate industry believed segregation to be a moral principle. As late as 1950, the National Association of Real Estate Boards' code of ethics warned that "a Realtor should never be instrumental in introducing into a neighborhood ... any race or nationality, or any individuals whose presence will clearly be detrimental to property values." A 1943 brochure specified that such potential undesireables might include madams, bootleggers, gangsters - and "a colored man of means who was giving his children a college education and thought they were entitled to live among whites." The federal government concurred. It was the How Owners' Loan Corporation, not a private trade association, that pioneered the practice of redlining, selectively granting loans and insisting that any property it insured be covered by a restrictive covenant - a clause in the deed forbidding the sale of the property to anyone other than whites. Millions of dollars flowed from tax coffers into segregated white neighborhoods. "For perhaps the first time, the federal government embraced the discriminatory attitudes of the marketplace," the historian Kenneth R. Jackson wrote in his 1985 book, Crabgrass Frontier, a history of suburbanization. "Previously, prejudices were personalized and individualized; FHA exhorted segregation and enshrined it as public policy. Whole areas of cities were declared ineligible for loan guarantees." Redlining was not officially outlawed until 1968, by the Fair Housing Act. By then the damage was done - and reports of redlining by banks have continued.
Ta-Nehisi Coates
Related I like to open for a band as it brings on sort of a challenge and it makes things more interesting. ... KELLY JONES (All the grief she had suffered over her lifetime had moulded her face into a mask of eternal sadnes... JEAN SASSON You must save what you can of your life; you musn't lose it all simply because you've lost a part. HENRY JAMES She wasn't bitter. She was sad, though. But it was a hopeful kind of sad. The kind of sad that just ... STEPHEN CHBOSKY So, I guess we are who we are for alot of reasons. And maybe we'll never know most of them. But even... STEPHEN CHBOSKY I love my mom so much. I don't care if that's corny to say. I think on my next birthday, I'm going t... STEPHEN CHBOSKY We Are All Infinite STEPHEN CHBOSKY You can't just sit there and put everyone's lives ahead of yours and think that counts as love. You ... STEPHEN CHBOSKY I saw other people there. Old men sitting alone. Young girls with blue eye shadow and awkward jaws. ... STEPHEN CHBOSKY That one moment when you know you are not a sad story. You are ALIVE. STEPHAN CHBOSKY Somos quienes somos por un montón de razones.Quizás nunca conozcamos la mayoría de ellas.Pero aun... STEPHEN CHBOSKY Ambos dijeron que tomara asiento y parecían hablar en serio, así que me senté. STEPHEN CHBOSKY I know these will all be stories some day, and our pictures will become old photographs. We all beco... STEPHEN CHBOSKY So I guess we are who we are for a lot of reasons. And maybewe'll never know most of them. STEPHEN CHBOSKY So I guess we are who we are for a lot of reasons. And maybe we'll never know most of them. STEPHEN CHBOSKY There's nothing like the deep breathes after laughing that hard. Nothing in the world like a sore st... STHEPHEN CHBOSKY no more pencils, no more books, no more teachers' dirty looks, when the teacher rings the bell, drop... STEPHEN CHBOSKY I don't know the significance of this, but I find it very interesting. STEPHEN CHBOSKY Maybe it’s sad that these are now memories. And maybe it’s not sad. STEPHEN CHBOSKY I am often asked how it is that I am able to value people to such a deep degree. Apparently, I exhib... C. JOYBELL C. Empathy is the new measurement of everything. It doesn't matter what religion you have, what God you... C. JOYBELL C. I was very grateful to have heard it again. Because I guess we all forget sometimes. And I think eve... STEPHEN CHBOSKY I guess we are who we are for a lot of reasons. And maybe we'll never know most of them. But even if... STEPHEN CHBOSKY You deserve to be with somebody, who knows you're the one, from that very first moment he lays eyes ... C. JOYBELL C. Anyways, that very same night there was a fight in the casino on B Deck. Some of the passengers got ... CHRISTINA ENGELA I was suddenly very aware of the fact it was me standing up in that tunnel with the wind over my fac... STEPHEN CHBOSKY The only perspective is to really be there. STEPHEN CHBOSKY I didn't feel like reading that night, so I went downstairs and watched a half-hour long commercial ... STEPHEN CHBOSKY Why is England manufacturing bigger and better airplanes and bombs and at the same time churning out... ANNE FRANK Absoballylutely top hole, wot. A and B the C of D I'd say. . . Above and Beyond the Call of Duty. BRIAN JACQUES The mark of a real man, is a man who can allow himself to fall deeply in love with a woman. But the ... C. JOYBELL C. In a world in which the common rule which binds and regulates what the general masses feel is underm... ERNEST AGYEMANG YEBOAH I don't know if I have a favorite color. KATE MIDDLETON It's very special having a new little girl. KATE MIDDLETON If Stephen King was a killer, he will be the best killer ever existed, check out his novels, check o... DEYTH BANGER Each man lives in his own universe and when he dies the world is over BANGAMBIKI HABYARIMANA Life's Irony;If some dead folks can witness how their offsprings will be fighting over their estates... DAVID ATTA (A.K.A DAVIED ATTLARS & MR DAIN) The unfortunate thing is that, sometimes, we slip, but, fortunately, consciously or unconsciously, w... ERNEST AGYEMANG YEBOAH What is the Other?" they ask. The Other is the one who taught me whatI should be like, but not ... PAULO COELHO I just want you to know that you’re very special… and the only reason I’m telling you is that ... STEPHEN CHBOSKY I thought I would write a love letter. But then, I wrote a book." - Suzy Davies, on "Johari's Window SUZY DAVIES The Dream of a Queer Fellow I write the words again and they appear doubly pregnant with meaning. It... JOHN MIDDLETON MURRY If you have read this far in the chronicle of the Baudelaire orphans - and I certainly hope you have... LEMONY SNICKET the room of the spirit is the mind and the seat of the spirit is the heart. What we give room to muc... ERNEST AGYEMANG YEBOAH We begin to fight. The wind and I. Horns locked. Battling each other with elements. LAURA DOCKRILL He had what he called just a small ration of tools: A painted book. A handful of pencils.<... MARKUS ZUSAK You're full of contradictions, Ms. Wallace." I looked up at him and arched a brow. "I'm a girl... TAMMARA WEBBER The only way he could have her was to shatter this stubborn faith of hers. In doing so, would he sha... FRANCINE RIVERS A man drank and became drunk, next he said, now i am delivered from my enemies and then walked into ... SOTONYE ANGA May I never neither turn left nor turn right in my journey of life, but may I go straight to Christ ... ERNEST AGYEMANG YEBOAH I wish I was home", She said miserably. She tried so hard to be brave, to be fierce as a... GEORGE R.R. MARTIN Never give up on you. In order to make a difference you would have to somehow be different. JOHNNIE DENT JR. Be kind. We never know what people are going through. Give grace and mercy because one day your circ... GERMANY KENT Percy was getting tired of water. If he said that aloud, he would probably get kicked out of Po... RICK RIORDAN Well, you can't know it without something having been sneezed. A.A. MILNE We'll be Friends Forever, won't we, Pooh?' asked Piglet. Even longer,' Pooh answered.” ... A.A. MILNE She said 'Over my dead body!' so I took her at her word. DIANA WYNNE JONES The end of the world is a strange concept. The world is always ending, and the end is always being a... NEIL GAIMAN Kindness is universal. Sometimes being kind allows others to see the goodness in humanity through yo... GERMANY KENT Hail to you gods, on that day of the great reckoning. Behold me, I have come to you, without sin, wi... THE BOOK OF THE DEAD If I provide for this life and turn away from the Lord, I am wise for a moment, but lost forever. FRANCINE RIVERS The only way he could have her was to shatter this stubborn faith of hers. In doing so, would he sha... FRANCINE RIVERS We die a day at a time BANGAMBIKI HABYARIMANA Look, my friends!' he called. 'Here's a pretty hobbit-skin to wrap an elven princeling in! If it wer... J.R.R. TOLKIEN Put my head under my pillow, and let the quiet put things where they are supposed to be. STEPHEN CHBOSKY Farming is the oldest profession on earth SOTONYE ANGA He said it was the kind of book you made your own. STEPHEN CHBOSKY No hay nada como respirar hondo después de reírte tanto. Nada en el mundo como el dolor de estóma... STEPHEN CHBOSKY Sam dropped me off. When she was too far away to see me, I started to cry again. Because she was my ... STEPHEN CHBOSKY For starters, that’s a rather simple principle of Time Travel right there – and according to the... CHRISTINA ENGELA You're still lovely," Mor said a bit gently. Elain offered a half smile. "I suppose that war m... SARAH J. MAAS It is no bad thing celebrating a simple life. J.R.R. TOLKIEN Though he walked and breathed, and about him living leaves and flowers were stirred by the same cool... J.R.R. TOLKIEN From the Kindle Book Reflections in the Mirror of Life: “In a slum somewhere in India As... THE PROPHET OF LIFE It's all to do with the training: you can do a lot if you're properly trained. QUEEN ELIZABETH II Like all best families, we have our share of eccentricities, of impetuous and wayward youngsters and... QUEEN ELIZABETH II My husband has quite simply been my strength and stay all these years, and I owe him a debt greater ... QUEEN ELIZABETH II It is easy enough to define what the Commonwealth is not. Indeed this is quite a popular pastime. QUEEN ELIZABETH II I have to be seen to be believed. QUEEN ELIZABETH II I have in sincerity pledged myself to your service, as so many of you are pledged to mine. Throughou... QUEEN ELIZABETH II I hope that tomorrow we can all, wherever we are, join in expressing our grief at Diana's loss, ... QUEEN ELIZABETH II I myself prefer my New Zealand eggs for breakfast. QUEEN ELIZABETH II The British constitution has always been puzzling and always will be. QUEEN ELIZABETH II I have behind me not only the splendid traditions and the annals of more than a thousand years but t... QUEEN ELIZABETH II To what greater inspiration and counsel can we turn than to the imperishable truth to be found in th... QUEEN ELIZABETH II What were once only hopes for the future have now come to pass; it is almost exactly 13 years since ... QUEEN ELIZABETH II First, I want to pay tribute to Diana myself. She was an exceptional and gifted human being. In good... QUEEN ELIZABETH II I cannot lead you into battle. I do not give you laws or administer justice but I can do something e... QUEEN ELIZABETH II To all those who have suffered as a consequence of our troubled past I extend my sincere thoughts an... QUEEN ELIZABETH II Grief is the price we pay for love. QUEEN ELIZABETH II The upward course of a nation's history is due in the long run to the soundness of heart of its ... QUEEN ELIZABETH II At its heart, engineering is about using science to find creative, practical solutions. It is a nobl... QUEEN ELIZABETH II At Christmas, I am always struck by how the spirit of togetherness lies also at the heart of the Chr... QUEEN ELIZABETH II For many, Christmas is also a time for coming together. But for others, service will come first. QUEEN ELIZABETH II The lessons from the peace process are clear; whatever life throws at us, our individual responses w... QUEEN ELIZABETH II I declare before you all that my whole life, whether it be long or short, shall be devoted to your s... QUEEN ELIZABETH II Therefore I am sure that this, my Coronation, is not the symbol of a power and a splendor that are g... QUEEN ELIZABETH II We lost the American colonies because we lacked the statesmanship to know the right time and the man... QUEEN ELIZABETH II Madam President, speaking here in Dublin Castle it is impossible to ignore the weight of history, as... QUEEN ELIZABETH II These wretched babies don't come until they are ready. QUEEN ELIZABETH II
More Ta-Nehisi Coates
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