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Couple Lives In $1.3 Million, 4,900 Square Foot Home For Five Years Without Making A Single Mortgage Payment
Wonder how Americans can afford to buy millions of iGadgets, a second LCD TV for the shoe closet, and eat at restaurants more than almost any time in the past despite sliding personal income? Simple - increasingly fewer pay the biggest staple bill in a US household: their mortgage. The following story of Keith And Janet Ritter, who have lived in their Fort Washington, MD $1.29MM, 4,900 square foot McMansion for 5 years (which they purchase with no money down) without ever making a single mortgage payment, and who are not even close to being evicted, may explain much about the way US society currently operates, and why other perfectly responsible and hard-working taxpayers (who do have to pay for their mortgage) continue to fund tens of billions in Fannie and Freddie losses who are first on the hook to absorb the implicit losses by allowing families such as the Ritters to live in perpetuity without paying, and the banks to keep said mortgage on the books at par without any impairments.
The Washington Post has more on this absolute horror story of a case study of just how busted the USSA has become:
The eviction from their million-dollar home could come at any moment. Keith and Janet Ritter have been bracing for it — and battling against it — almost from the moment they moved into the five-bedroom, 4,900-square-foot manse along the Potomac River in Fort Washington.
In five years, they have never made a mortgage payment, a fact that amazes even the most seasoned veterans of the foreclosure crisis.
The Ritters have kept the sheriff at bay by repeatedly filing for bankruptcy and by exploiting changes in Maryland’s laws designed to help delinquent homeowners avoid foreclosure.
Those efforts to protect homeowners have transformed Maryland’s foreclosure process from one of the country’s shortest to one of the longest. It now takes on average 634 days to complete a foreclosure in Maryland, compared with 132 days in Virginia.
“The market won’t fix itself,” said Anne Norton, Maryland’s deputy commissioner for financial regulations. “By the time it does, how many homeowners will be churned up and spit out by the machine?”
Critics, including economists and lenders, blame the state’s go-slow approach for a growing backlog of foreclosures and a weak-to-nonexistent recovery in home prices. To them, the system puts too much emphasis on helping individual homeowners and not enough on quickly clearing the market of foreclosures so prices can rebound and hard-hit communities can recover. And they say it also creates opportunities for abuse by those determined to drag the process out for as long as possible.
“How is it people can stay in a house for five years without ever making a mortgage payment?” said Thomas A. Lawler, a former senior vice president at Fannie Mae who now runs his own consulting firm in Loudoun County. “That’s a screwed-up process. It’s an example of how the process is broken.”
The Ritters, who bought their house for $1.29 million with almost no money down, are hardly representative of the vast majority of Maryland’s distressed homeowners.
During the boom, they set out to become mini real estate moguls, buying properties and flipping them for a profit. In the process, Keith Ritter, 54, went from being on probation for bankruptcy fraud and making minimum wage to being a successful real estate investor and landlord with a six-figure income. Then, when the housing market tanked five years ago, the couple found themselves facing multiple foreclosures.
The Ritters have tried to negotiate different payment arrangements with their lender to save their posh home near National Harbor, they said, but to no avail.
“It was never our intention to get here and never make a mortgage payment,” Keith Ritter said. “We don’t believe in living for free.”
But he and Janet, a 51-year-old real estate agent, make no apology for using every tactic available to them to stay in their house, including challenging the foreclosure sale in court, requesting mediation and claiming they had a tenant living with them. Their adversaries, they argued, are giant financial institutions with armies of lawyers that are out to make as much money as possible at the expense of homeowners.
“When a bank does all it can to save itself, that’s good business,” Keith said. “When a homeowner does the same thing, he’s called a deadbeat.”
And that, ladies and gents, is why this country is fucked.
Meet the Ritters:
"Keith and Janet Ritter inside their home in Fort Washington, Md. In five years, they have never made a mortgage payment, a fact that amazes even the most seasoned veterans of the foreclosure crisis."
"Janet Ritter in the dining area of their Fort Washington home. The
Ritters make no apology for using every tactic available to them to stay
in their house, including challenging the foreclosure sale in court and
requesting mediation."
"Keith Ritter has a business, Beat It Movers, that involves eviction services, property preservation and cleaning of foreclosed homes. Here, he checks out some ceiling damage in one such home in Fort Washington. Ritter gets the irony of working for some of the same banks that have foreclosed on him. But he has to make money somehow. “All I know is real estate,” he said."
Casa de Ritter:
"The Ritter's Fort Washington home. They have kept their home for so long by repeatedly filing for bankruptcy and by exploiting changes in Maryland’s laws designed to help delinquent homeowners avoid foreclosure."
"Interior of Keith and Janet Ritter's Fort Washington home. Efforts to protect homeowners have transformed Maryland’s foreclosure process from one of the country’s shortest to one of the longest. It now takes on average 634 days to complete a foreclosure in Maryland, compared with 132 days in Virginia"
And when all else fails, beg god for debt forgiveness: "Bible verses are marked that pertain to debt and forgiveness on a table in the Ritters’ home in Fort Washington."
Then again, who needs god when you have hope and change... for some.
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Funny how you jump to "mass murder" as the only solution.
No way we could ever just stop giving both sets of people money, and let them make thier own nut. No, that would be too damn complicated. Instead we have to set up a Byzantine system where people take a test and everyone who gets lower than a certain score gets their nuts chopped off or their womb ripped out.
I didn't at ANY POINT jump to that as a solution. I merely stated what "eliminating" these classes would MEAN.
I have never at any point proposed murdering ANYONE, nor doing things intended to hasten an industrial panic leading to mass deaths. Only a sick psychopath would do such a thing.
I propose merely to limit population so as to place a lesser strain on resource availability.
Imagine the role reversal.
Black bankers and Jewish moochers... wait? what?
Throw in the fact that slave trade was financed.. and what do you get?
9/11 AAPL GOOG and a President Unelect who is not a US citizen.
You just said you want a "HOLOCAUST or something", in the same post where you said you wanted to "eliminate" those two classes.
You propose something stupid, like using a plastic characteristic in order to perpetrate a demographic nightmare upon the world instead of, I don't know, spending 1% of that cost on research into materials science, and eliminating the whole "limited resources" problem.
Nevermind that you are a megalomanic who seems to be most interested in enslaving those whom he has forced into the most brutal form of submission imaginable. What, you want a bunch of eunich attendants to guard your wives and concubines to make sure they don't leave you for their black jewish divorce attorneys?
JFC you are stupid...there is NOTHING that can SOLVE the problem of exponential growth in a FINITE world, idiot.
That you cannot recognize and/or accept this identifies you as a FOOL.
I merely point out the consequences of things; I make no value judgments. "Eliminating" the classes aforementioned means "holocaust."
The WORLD is a demographic nightmare already. I seek to reduce population to level commensurate with resource availability. I am with Al Bartlett...you are with unicorns. Either WE choose or nature WILL.
You WANT nature to choose because you want the Four Horsemen; it is because you worship death and want misery. Only when people are crippled will you have a chance to be their equal.
Nature does a much better job than your mass murderous interference.
The ONLY reason that the CURRENT system requires continuous exponential growth is because the government wants to grow at an exponential rate. Putting an end to that is not the end of the world that you so loudly proclaim/decry depending on who is talking about it. The system itself doesn't NEED ANYTHING. People can live quite well without growth. At worst it means we have to learn to do more with less, something we have every ability to do.
The world is NOT a demographic nightmare. Growth rates are slowing throughout the developed world, and have turned negative in many places. This is a natural trend. But you greatly misunderstand basic biology, and refuse to think, listen, or learn about anything that might go against your thesis.
Good job projecting your intentions on me. They make yours all too clear.
Which is it?
--------------------
"I merely point out..."
"I seek to reduce..."
--------------------
"Hey, there are 24 hours in a day..."
"Hey, I'd like to make the day a little shorter..."
the top tier banking class may be dominated by "jews" but you know fine well all the parasites these people attract are WHITE, predominately men - be it corporate heads, media shills, etc.
seriously, you know this, but trolleth not this fact.
here's a sample - the race and sex demographics of "Congress":
http://www.thisnation.com/congress-facts.html
despite a few "tokens" in govt. places, the overwhelming majority are WHITE MEN, and you know this Trav.
I'm sure it was the "voters" who put them there, right? (Not whatever corporation they whored themselves out to in making the final cut)...
I guess there's a black Ron Paul out there somewhere, I just haven't met him/her yet... The 'honorable' Maxine Waters & Shiela Jackson Lee are obscuring the view at the moment...
~~~
"When Enron wanted someone to use as a puppet, they picked Sheila Jackson-Lee. They wanted a woman who didn’t have a mind of her own. Enron executives described her as “agreeable”, which was a polite way of saying, “dumber than a bunch of rocks caught in the hubcaps of a slow bus going the wrong way on a one way street in the middle of a flood.”
so voting doesn't work? colour me surprised.
http://en.wikipedia.org/wiki/Cynthia_McKinney#2008_Green_Party_president...
of course, no one can be a "black Ron Paul" and we won't go into the exact why of that here, but Cynthia McKinney has been known to agree with Paul on some subjects, and is very radical in her pursuit of the truths that matter to her and her constituents, including a strong stance on "911 truth" - something Paul hasn't really taken on.
of course, you'll not "see" her either as your carefully selected quote proves. you see what you want to see, what supports your point-of-view, as does Trav. I don't vote, and I don't care what you voters want to argue about.
/shrugs
...from your own goddamned link... (yes... people see what they want to see)...
McKinney was initially elected on the basis of gerrymandering... Ok, so she won later on as well (as INCUMBENTS often do)... Obama will be a perfect example of this come November...
"In the 1992 election, McKinney was elected in the newly re-created 11th District,[2] and was re-elected in 1994. When her district was redrawn and renumbered due to the Supreme Court of the United States ruling in Miller v. Johnson.
~~~~
Miller v. Johnson, 515 U.S. 900 (1995), was a United States Supreme Court case concerning "affirmative gerrymandering/racial gerrymandering", where racial minority majority electoral districts are created during redistricting to increase minority Congressional representation.
The case was brought to court by white voters in the Eleventh Congressional District of the state of Georgia. The irregularly shaped district, which stretched 6,784.2 square miles (17,571 km2) from Atlanta to the Atlantic Ocean was created to encompass enough of Georgia's African-American population to create a district where an African-American would have a high chance of being elected.
dude, I was merely looking for a "black Ron Paul" for you to hate on - I found it, you hated, my work here is done.
Cathartes,
despite a few "tokens" in govt. places, the overwhelming majority are WHITE MEN, and you know this Trav.
While I agree with you from the standpoint of Caucasoids v.s. other ethnicities, in the Congress and Senate,do it by percentages of each compared to the population.
Then the picture changes dramatically, also remember these folks are elected from Districts..........
However, whenever it comes to who's the biggest crooks.............they are 95% all the same.
Power corrupts, and absolute power corrupts absolutely.I dont give a rats what ethnicity you are.
YOU do it, I'm not the one crying over my demographic fail.
take a look at who has the chairmanships...from Schumer to Pelosi to Feinstein to Boxer to Cantor.
Just open your fuckin eyes.
Yeah, the parasite class attracts other would-be parasites. And the cultural norms say that this shit is ok now. All we get from left coast media is greed and filth. Not honor, not protestant values...filth. The worship of money.
What do you think the archetypical "white men" such as our founders or the great Andrew Jackson would have said about where we are now and what we've become?
weak argument - white males are over-represented in corporate government, and you dudes still bitch about being in the "minority."
and you can list all the women you like, they're still in the minority.
but you're right about parasites attracting other parasites, and the worship of money. it's an immature approach to life, and it's not restricted to the "left coast" - puleeze.
and, lolwut when you ask me about "founding fathers" - trav, we've exchanged posts beofre, you know full well I could give a flying fuck about anyone's memorised fake history nonsense. the FF had an agenda, and I wasn't included then, nor were many who post here - you believe what you like, I'm NOT interested in Historical Myths.
Sbabbatz Goyim come from all "demographics". Get stuffed.
But you are criticizing Negroes and that is not allowed in America. The same people who outlawed criticizing Jews in the USSR/1920s have forbidden you from criticizing American Negroes in 2012. You will go to jail for this and be ass raped. In the USSR the Yids just killed you, so feel lucky citizen!
But..but...but, its the Land of Opportunity, how can you deny these entrepreneurs...nation builders....go getters of the first water, shit, its too funny for words...only in America...If I bring a few bars of silver can I play too? Ha!
These are not homeowners nor people we should give even ONE SHIT about.
Nevertheless, they are a shining example of what is possible for the little guy who uses his resources to game the system. My only issue with the whole thing is that I feel somewhat foolish for trying to pay my bills, including the mortgage, and save money and all that shit that upstanding folks are supposed to do. When the smoke clears and everything is settled out, it's the deadbeats and the Gamers who will win, who get a government check, mortgage relief and the like. The 48% who pay zero income taxes are shitting all over those of us who do pay.
and yet you dumbfuck idiots KEEP PAYING YOUR TAXES! LMAO SO FUKING PATHETIC YOU HAVE NOTHING TO WHINE ABOUT IF YOU THINK IT IS EASIER TO KEEP PAYING THAN TO TAKE UP ARMS IMMEDIATELY AND DIRECTLY SUKAZ STFU !
Just because its true doesn't make it right. At the end of the day you still have to sleep with yourself. Either your a whore with a free mortgage, or someone who has avoided todays moral hazard. I'd rather have less than play into the role of the Ritters.
If I could print money out of thin air I would re mortgage every house in America ,Think of the property I would end up with and all for nothing , so the fact that they are fucking the bank over just a little bit ,does it matter.
wrong.
the winners will wake up in AFRICA. Where nothing gets done and everyone steals from everyone else. This is not a victory.
this GHETTO mentality is the OPPOSITE of civilization. It is BRA
"the winners will wake up in AFRICA. Where nothing gets done and everyone steals from everyone else. This is not a victory. This GHETTO mentality is the OPPOSITE of civilization."
Truest words typed on the internet today.
These people are like an anchor dragging behind the US ship of state.
Cut them loose or sink with the useless fuckers.
I promise you that the piddly gamers will NOT win... in the end, you need to work and be able to actually produce something valuable... once the credit and benefits are taken away, then they're like bears who found a dump that are forced to go back into the wilderness... good luck with that. I'll stay out in the woods and watch them eat twinkies, jealously, for a while... and then take a big shit on them when they piddle around my salmon stream, presuming they get that far.
These people are going to make spectacular scapegoats... and I have significant reservations about their future given, among other things, the necessity of a background and credit check to live anywhere or get even the most rudimentary job...
What is going to happen is that an asshole is going to purchase their house for pennies on the dollar and boot them the fuck out of it, one way or the other... It really is that simple. What most people don't understand is that there are numerous legal ways around the whole where's the note fiasco to boot people the fuck out. They'll get a dose soon enough.
+1. However, the Ritters will be back soon enough, probably as a husband/wife Realtor team or perhaps in the debt 'counseling' biz.
arent' some banks bundling up these "home assets" and selling them in bulk to hedge funds?
I believe fannie is doing this and I suspect most will... I think, in the end, the securities will be largely worthless... the securities holders are going to be sitting on the wrong end of the local taxing authority and the local court of general jurisdiction... a jury of a local person's peers will break it off in the would be land barons. Putbacks are vastly more beneficial than seeing the securities through so to speak... there is substantial risk there...
All of the properties will be cleansed of potential clouds through existing safeguards in the system, e.g. quiet title.
thanks for replying, thought as much.
I wonder what the demographic is on the hedge fundies? ^^
Start with J. Paulson, Soros, etc etc.
((in my mind, I did))
@ macholatte......That is not true. The difference youre ignoring is that those of us who are responsible have the ability to thrive regardless of what situation we are put in whereas people like this who are deadbeats and live by the wrong philospophy will always be in a disaster. Do not guide your ship by the course of people like this. So they gamed the system. Do you really think they are in a better position than you or ever will be?
Excellent comment. I feel the fool sometimes too for playing by the rules, but I always come back to this.
My anchor is in soft mud and I'm driftin' on this one.
When do you cross the line and fight fire with fire?
When you look out the window and see a Congoid mob heading in your direction. Got M1A?
I want to have a good answer and don't. Chumba will tell you to go for it and fuck em up. I don't think that is wrong. He is conscious about what he is up to.
For me, in that final moment, I need to know that I can look my kid in the eye and tell him that I have lived by the standards that I have set down for him, myself.
If I do ever go to war, like this, I would need to know that it was pure war against them. I would need to know that I was not doing it to get over on others or to bail myself out of trouble that I caused myself with bad decisions, but strictly to FUCK THEM UP.
The best war, I think, which is where my goals are right now, is to withdraw from supporting them. I have a toe or two in the ponzi debt game because of the house incident you know about. I should be able to soak that problem up in a few months. The house has been built to get me more off the grid than I have ever been before. I hope to weather all kinds of storms in this house. I hope I don't have to but expect I will need to.
I hope you are doing okay. The business, the truck, I hope there is better news. At the core, all of us in our own way have to figure out that we are okay no matter what is happening around us. I can only whisper to you that this is true for me. I dare not jinx it. ;-) I just knocked on wood!
My personal Golden Rule in life is, "Karma is a bitch, and she slaps real hard." Live by that and you won't hurt too many people.
This couple's situation has blurred my own lines of what is right and wrong though. I feel no moral indignation at what they're doing. If there was a clear victim, a little old lady perhaps, that couldn't pay for groceries because of these squatters, my attitude might differ.
What are the consequences here? Some executive gets $999,999.90 this year instead of a million? Are the collective actions of thousands of people staying and not paying enough to make our economy crumble to dust and nobody can afford groceries?
I'm still neck deep in the debt ponzi swamp and see no easy way out for now. Truck was totaled and I gave the insurance money to the employee so he could start his own company. There is a blossoming calm and peace as the business gets smaller and easier to manage though. I only work for the customers I love as I no longer need to scramble for jobs just to keep the men busy. Life is okay.
Nice to see peace and calm blanketing your life again. You've been through enough!
I was hoping for a reprise of the CRA tune you so love to belt out...
color me disappointed.
I'll say it for you. Unlike you I'm not here to make friends and build some meaningless online "rep" by using the same account for more than a few weeks.
The guy was in real estate prior to buying this home. No doubt that a little digging will find that there was collusion between this POS and whoever put together his deal.
This was orchestrated and planned from the beginning. They bought thinking prices were going to continue to increase and were planning to dump for a quick payday...but got stuck.
http://www.fizber.com/sale-by-owner-home-services/maryland-city-fort-washington-profile.html
http://www.city-data.com/city/Fort-Washington-Maryland.html
And when the fiscal huricane that is Washington DC can no longer suck up enough from the rest of the country, raining it out on the DC metro area, there is going to be a real estate wasteland that will make Las Vegas, Detroit, and South Florida look like a paradise by comparison.
there already is, if you look inside the numbers. The core city areas have held up as have other core city areas. The exurban asteroid belts here have already collapsed in price by 60 or 70%.
lol...look who's growing up...I may save this and use it against you one day
Feh! Voters - whaddaya gonna do.
these "people" have been bilking the system since they were teenagers. America has been turned into a country of riff-raff.
Let me help you...I HATE BLACKS...there fixed it for you...
+150
WEAK!!!!!!!!
I'm assuming you're replying to MDB - right? There are so many posts in between it's hard to know...
Weak. Too obvious. You can do better.
As I write this MDB's reply has a 66% neg rating. Most views I read here are Libertarian leaning,some don't get it I guess.
Hey MDB, why don't you try all caps for the sarcasm.
Dude - welcome back. You RULE!!!!
LOL!
@MDB: #FAIL
Definitley not among your best work.
MillionDllarBonus....I'm number -93. Thanks for taking the time to contribute.
This just goes to show what is possible with perpetual debt issuance accompanied by easy monetary policy. By constantly demonizing entities like the Federal Reserve Bank and the IRS, libertarians are denying America a new golden age of fiscal and monetary stimulus.
You overdid it a little this time. The dumbest person around would know it's satire.
Playing by the rules is for suckers.
Precisely the lesson that is being taught by example. On purpose? Or an unexpected and avoidable by-product of what has gone down over the 20 years? Maybe both. Either way, once enough act on this in a significant way, it will be lights out.
keep trying to figure it out while sitting on the fence apparently you still figure you got too much to lose, like your life or your fucking " my precious" FICO theyre the same thing right?
LOL. It's all about trying to stay ahead of the curve in order to stay out of harm's way. Anyone who says they know exactly how things are going to unfold is full of shit... including you if are advocating gaming the system like so many others. You could be right of course - but there are places I won't go unless it really comes down to the lives of my family and friends. Karma is a bitch.
im advocating burning the fucking system...to the fucking ground
Only logical. Why should we have to pay for anything. Let the government do it for us.
And then, End The Fed.
This is extend and pretend at it's finest. They must be watching Bernakes press conferences.
http://ericsprott.blogspot.com/
And I thought you were just being sarcastic:
http://www.youtube.com/watch?v=P36x8rTb3jI
You all are a bunch of racists. Just think of how this couple has helped the economy by spending that $46,000 mortgage payment on consumer goods and Chevy Volts. I mean sheesh, if it wasn't for them the economy would be worse than it is.
(pmt --> $46,000: n=360, i=.38, pv=1,300,000)
LMFAO. Thanks.
I see SNAP has many shadow colors....colors, as in Obummer telling FM to not kick out minoritites...fucking racist!
NeO also froze gov hiring for whites to evaluate ways to have a more diverse FedGov, despite overrepresentation of minorities in .gov.
Racist is a meaningless word and it has ZERO impact whatsoever to a minority...and by that I mean a nonwhite. Consequently, you too should ignore it just as they do. Bama is looking out for his own; do the same.
Free your mind from its shackles.
C'mon trav yon can do better than this, have you taken your meds today?
I'll say one thing... They're pretty fucking stupid for doing the interview... They're just asking for a cross to be burned on their front lawn...
Maybe that's the ultimate plan... Turn themselves into victims...
Forget the crosses--the mob would burn the house down with them inside!
BWAHAHAHAHAHAHA
Do you idiots even have a CLUE wtf kinda neighborhood they live in? I actually went and looked at model houses down there one day and the RE agents looked at me like wtf crackuh iz you lost? They did not even PRETEND like they were interested in selling me anything, nor did I have to fill out those annoying contact info sheets.
The artificial black middle class lives down there and I would wager that EVERY SINGLE ONE on his block is not paying their mortgages. Why the fuck should they? Dey beez gypshuns n'shit.
As for cross burning, the klan doesn't EXIST anymore. I will bet you a bar of silver that Springer HIRES those idiots to dress up and come on his show to play the fool. White racist criminals only exist on CSI and other fictional Jewlywood and 5th Avenjew media programs. They're a myth, the sasquatch and shit, like the mythical white men raping black women.
lol, so what, you're saying you don't exist?
Or was this a documentary about you?
http://www.youtube.com/watch?v=2i9iTYe6tEk&feature=related
No, idiot, I said the KLAN doesn't exist. I am not nor ever have been a member of the KLAN.
The KLAN is a figment of idiots' imaginations. Like yours.
What WILL happen is that ALL of the neighbors of these "homeowners," who are ALL doing the SAME FUCKING THING, will be giving dem dey props fo bein in tha papuhz, and bein like gibs me dat and all ooking and eeking cuz dey beez gypshuns n'shit.
To translate, they will get high fives for scamming the system! Jeezus you idiots are so naive and fuckin ignorant. In Nigeria, for example, it is considered the HIGHEST honor to be able to get shit without working for it. People who do that successfully are heroes there, paragons, looked up to, aspired to be like by everyone else. The same is true here among people who are reasonably close relatives of nigerians. Their first goal is to get something for nothing, to get over, to take advantage, to scam, con, steal, hustle their way to money they didn't have to work for. If you think ANYONE these people know is going to disapprove of them, then you are simply a motherfucking fool and you need to get the fuck OUT of your whitopia and go somewhere you can experience some diversity firsthand.
I fucking LIVE HERE. I have probably visited THE model home in THAT specific neighborhood. I know exactly who is there, and what they tend to be like.
Oh wait, you thought africans were just white people with dark skin, huh? HAAHAHHAAHAHAHA
lol, you are telling someone who grew up in southeast Texas that the Klan doesn't exist. Might as well tell a New Yorker that it is impossible to build a building higher than 20 stories.
I went to school with a Nigerian. A cousin of some high level bureaucrat. She was hard working, and got a PhD in Organic Chemistry, and now works for DOW. Even as an undergraduate, she was a fine synthetic organic chemist. I tried to hire her here, but she wanted to work in oil. The people in her family, whom I met, are all like that.
So yeah, your story is bullshit that extrapolates the desires of the underclass of an oppressed people to get out of poverty via a means that works, and claims that that shit represents all of their society. That is utter bullshit, and you know it.
But you don't care about that. You just want to TELL people things. You aren't interested in learning, or understanding. You are only interested in yourself and your own evil desires. Disgusting.
I'd say you're just as guilty of "just wanting to tell people things" as the guy you're bashing is, tmosely. You ain't the only one in the world who grew up in SE Texas. If you're telling the truth about that, squallering about "The Klan!" is just proof of intellectual dishonesty. The last serious bastion of Klanism was in Vidor, (population: squat), and that was....what....25 years ago? More? So your argument is "something bad happened a generation ago!"?? Now you gonna tell us about the eebil rayciss white guys who dragged the black guy behind the pickup? Well, A) they got busted, went to trial, and are now in prison, where they belong B) didn't see any statewide demonstrations for them, didja? and C) that shit ain't limited to eebil white folks - it's just better reported. Pay a visit to Drudge: seems some brave african-american warrior children set a white kid on fire because, "that's what white people deserve". Or look at - if you can: they've gotten progressively harder to find over the years, for some unknown reason - look at statistics on "black on white" rape vs. "white on black". Last (national) number I could find was around 15 years ago, and the count was something very much like 10,000 to 6.
Or does that not count? Lastly: ever seen a Chinese or a Jewish beggar? Or a welfare office crowded with asians and Jewboys wearing nasty old stretch pants and cruddy house slippers? Yeah, me neither. Ever wonder why?
the latest data on interracial rapes has it like 30,000 to 0. Yes, I am serious, 0. It could be 0-9 based upon the sampling error.
On CSI or in Roots, of course ALL the rapes are by white debbils.
Slight correction: they executed those truck draggers. And it was over a prison gang beef, not a racial thing but/for that prison gangs align on racial lines.
Given that cliff says he met a nigerian with a Ph.D. and is apparently trying to pass this person off as representative, it's just fuckin AMAZING that Nigeria is so fucked up. I know a Ghanan dude who is a data architect and a Haitian who was a friend who I helped get fat stacks. So I must boggle at how Haiti is so fucked up, eh? Because OBVIOUSLY, the stereotype is wrong and my bud that I hooked up repeatedly with ciznash bc I am muffuggin down like that fo my homies is the typical haitian?
Maybe cliff grew up 100 years ago, which would explain the apparent senility.
You are making that shit up right there. Vidor was where the last race-based murder happened. Go to Orange. That is Klan country, or was last time I was in the area, about 10 years ago. The corruption that they sewed is certainly still there. Literally hundreds of little illegal gambling shops that are allowed to run if they give the police kickbacks.
I am not "squalloring" about the Klan. I am saying that it EXISTS, and anyone who claims that it doesn't is a fucking tard.
And yes, I have seen Chinese beggars (in China), and Jewish beggars (in Israel). Imagine that shit. It's called brain drain. You'll never see a recent African immigrant who isn't a refugee begging on the street either.
This "just" in: Congoids who did Knoxviille Horror, raping and torturing to death young white couple (3 freed immediately, 3 slap-on-wrist prison terms, 1 "death sentence", ie 30 years of appeals) now getting whole new trial due to drug-addict (white lib) judge. This time, they'll walk altogether.
Nice anecdote. Those people should be executed, just like a lot of white aggressors.
I don't give a SHIT what color you are, if you are an aggressor, you MUST be punished according to the extent of your aggression. Mass sterilization is just one of the things that gets you a death sentance in my book.
OHHHHH, so Orange has po-lice corruption, and illegal gambling going on? Well, SHIT, then - it MUST BE proof of the Klan!!!! SO NYC and LA - since they, too, have hugely corrupt PD's - must ALSO be Klan hotbeds according to your childlike 'logic', right? Yeah, I'm sure the Klan still "exists", to be fair. Usually in the guise of 4 or 5 local dumbshits drinkin' Texas Pride and talkin' big. Just like ultraviolent black nationalists *also* "exist". (Only they drink Malt Likka and talk big.) Pretty loose criteria you're using there, pal. Sadly for you, that works both ways.
The little dodge about the beggars was cute, though. As you damn well know I meant, have you ever seen a chinese/Jewish beggar HERE? In the US?? By your dodgy, shifty, bullshit-change-the-subject non-answer, I reckon the answer's "no". Your intellectual dishonesty makes me suspect that you're not a real Texan - just another yankee carpetbagger, who came grudgingly, looking for work that didn't exist back home. Illinois? Michigan? Ohio?
The point is the same...
This article is a 'trial balloon'... Jew controlled 'Washington Post' no less...
If it passes muster (which basically means that if there is no outcryin the media, save for ZH), then the shark, instead of nibbling, proceeds to chomp off a whole arm or leg next...
I top your wager and predict, the city is going to increase the garbage pickup because people that don't pay their mortgage have more disposable income and create more trash!
There!
Your line about the inevitable demographic skewing from setting a reproductive permit bar at IQ 100 is the best line I have read on a blog in five years (among countless thousands).
colour me surprised that you & Trav have thoughts in common. . .
someday I need a greatest hits of Trav blog. One of my peeps on FB (who is BLACK ZOMG) wants to put it together.
I am what they call a "highlight reel" internet personality. I crack people up in real life too...
You should do that. Do it under your real name, you coward.
would that "peep" be one you used to date, as you mentioned many times here?
no...I don't date men, dude.
And I haven't banged just one black girl either. Nor do I have just one african homie. I'm known for breakin mfers off bc that's how a nigga eat
"Herp a derp I rail on and on about how inferior blacks are, but I'm not a racist because I have black friends."
blacks are certainly not inferior to you, cliff
No, I probably don't contribute as much as their entire society. I am certanly a worthwhile individual, as are many of them. In that, I am certainly superior to YOU.
What did you ever do with your life except squander it?
Feeling that itch? Better take another hit. It will make your misery go away. For a while.
dude, a housefly contributes more to society than you do.
It must chafe your ass to be so small, man...how do you live with it? How do you face the mirror knowing that you desire an industrial panic and mass deaths all in some vain hope to be other than a small man?
You'll ALWAYS be small no matter if everyone else is dust, you'll be small because that's what you ARE, motherfucker.
As for my being racist...that's meaningless like zizzer zazzer zuzz or some Dr. Seuss shit. I am or I am not, who cares? Nobody should. I got my white black asian hispanic homies all over the planet. Everyone likes me, i have intercontinental appeal to bitches, fool. And you wish you were like me.
oh no, I was only mentioning ONE of the black girls you bragged on dating, I do realise you get around!
well, i'm not tryin to get around to too many because like half of them have herpes in the USA
Minority hires are approximately 100% in the federal government. The few white men they hire are military veterans which grants them "minority" standing. I.E. you have to risk your life, health, and sanity serving in our Fascist regimes aggressive wars of imperial conquest before you are on equal footing with someone born as anything other than a white male.
NASA is the "least diverse" of federal agencies and it is being defunded annually as a result. Seems the few minority scientists would rather make $200K+ working in the private sector to help those companies meet their affirmative action quotas than take a "pathetic" $100K salary (or less) at NASA.
you do realise that "blacks" make up only about 13% of the WHOLE population in amrka, and that 13% includes the elderly and children?
jesus wept. you people want to blame "blacks" for ALL the welfare roles AND taking ALL the govt. jobs in the same breath!
laughable if it wasn't so tragic.
Ft. Washinton Maryland is in Prince George's county Maryland which is 85%+ black. Washington D.C. is over 65% black. Federal government employees are 19% black overall.
You've obviously never been within 1000 miles of D.C. so shut the fuck up.
people in whitopias are terminally ignorant.
Man, it is a fuckin eye opener when they get here and see reality.
"Here"
lol, Trav lost his home in the divorce and has to live in the ghetto.
wtfever u say cliff.
I live in a delusional whitopia in a majority black area. I see DWLs like you on a daily basis and laugh at them. They all have the same black friend that they brag about.
Meanwhile I was seen by my wife's PI on the street with "BMs" (black males) in bandanas and shit late at night. Yes, they really tried to make this an issue that ZOMG I have black dudes I hang out with therefore I must have been slangin yay. I am way too gangster for punkass bitches like you. Stay in whitaho...you could get hurt out here kid.
HAHAHAHAHAHAHAHA
Keep it comin there, dumbass. This is pure gold.
lol you don't get it.
19%? how many blacks graduate from high school? and how many of those compared to white Americans?
facts, facts, facts. of course there's a bias.
is the 9:30 Club still around? toured my band there once upon a time, some great college radio in the area, though it's been some years. . .
as to your other "argument" - the post you replied to was highlighting the whole country, but if you need to concentrate on the teeny part that makes your point, what can I say. . .
"9:30 Club"?
You mean that shithole where Courtney Love got so fucked up that half the place walked out on her before she could finish her act?
yeah 930 is still here, haven't been there in fuckin eons tho.
nor have I - it was certainly pre-Courtney Love as well. was just answering a point that I'd never made it to DC.
I've traveled and lived in more States than most amrkns, but yeah, paint me with yer brush. . .
who are you and have I ever replied to you?
we've had some posts exchanged, back when you were advocating enforced sterilisation for "minority" women, among other fun topics - and you've been replying to me here too, are ya high?
That seems fairly obvious.
ok, then you have me confused for someone else. I have NEVER advocated sterilization on the basis of race. Ever. That's simply not even REMOTELY acceptable as a criterion for such a thing
I have advocated it based upon IQ and other material factors. Never race.
aye, it was in the context of "blacks have lower IQs so the wimmens shouldn't be allowed to breed, sterilise 'em" - I don't have you confused, but I realise it's difficult for you to keep track of ALL your arguments here. . .
but you do have a fan club, you definitely need to get yer FaceBook page for the boys to trot over to.
Chevy Volts? Uh, try Cadillac Escalades with 24's, Holmes.....
you think these jigs pay their fuckin car payments EITHER? LOL
Why the heck do you folks suppose there is a racial disparity in FICO? FICO doesn't know your race.
They probably do. There is a market for used cars, and cars are reposessed and sold regularly.
People like you just see the symptom and look no further. You ignore the systemic problems, because anecdotes like this feed your agenda.
The black community is a systemic problem.
I would not worry about it too much, they will come around.. Once this great charade ends we will all have to work for our daily bread, statists have no magic just rhetoric and lies to push an all out control agenda. But words are not manna and sooner rather than later this facade crumbles and the iron fist is exposed and then it is work or die..
Though you post that in a haze of race-based hatred, you are correct. The black community as it stands today is one big systemic problem, much like the native american communities scattered about in their communist reservations. It wasn't always like that, and you do the world a disservice by pretending that it was.
The war on drugs has not been kind to that community, much as the war on alcohol was unkind to the entire nation.
I don't hate any race.
Black people are problem in EVERY country.
Is that true or false?
Can you present to me a predominately black country/continent that has low poverty/crime/disease/violent crime? What about predominately black cities? Again, ANYWHERE in the world.
I invite you to visit the Cayman Islands. Or really any fairly low population island nation. The governments aren't large enough to provide a welfare state, nor are they large enough to really repress people. Cayman is unique in that they allowed a great deal of freedom, and as a result attracted a gigantic amount of outside investment. A similar process is underway in Mauritus.
Other larger, more repressive nations have caused a dramatic brain drain which has left their nations in shambles. Well, that along with the rampant corruption and theft by government officials.
Funny that you deny that you "hate any race" and immediatley jump into a post about "blacks around the world".
The Caymans are nothing but crime.
#1 Major proxy for channeling drugs from South America
#2 Major proxy for tax evaders worldwide
Whatever remains is from tourism.
There are no reliable statistics for violent crime/disease/poverty
This is a completely disingenuous example.
How are neighbors Jamaica and Haiti doing?
All right you fucking assholes...now hear this.
It's not skin color, it's culture.
No one around here has ever heard of or seen a wigga? That's a white wanna be nigga with the flat brim, baggy pants, fake gold etc. thinkin he's Joey Bad Ass till he runs up on the real thing, usually an older guy of any race who's not in the mood to put up with his bullshit.
It's a fetid little criminal culture...you guy's better get a fucking clue.
http://www.youtube.com/watch?v=mPGhZkfeADY
ROTFL...nah man, it's GENETICS.
Smart black people behave like smart hispanics. I am presently banging one..she's 18 and in Georgetown and half of the ebonical babble I throw at her she doesn't even understand. I'm trying to get with this other one and I swear she is whiter than I am. Doesn't know contemporary slang, nothing. Acts white. Oreo city.
Culture comes FROM people. You ever wonder why smart people don't ook and eek and act like rabble? Why they prefer classical music and high art and literature and math? No matter WHAT COLOR they are?
We all must have one or two ghetto asians; I've known coke dealers who were asians and they were dumb as shit. I've also known blacks who were Exxon scholars and got near 4.0s in chem eng and shit.
Their culture comes from THEM as an expression of their aggregate attributes. It's not delivered by the culture fairy and imposed on people from elsewhere. It just happens that the distribution curves present far fewer of certain races in the category of the "smart" than of other races. Asians outscore whites on the supposed white biased IQ tests even if the asians don't even SPEAKA ENGRISH nor grew up here!
Those wiggers you've seen and chiggers too are just on the left side of the bell curve; simple as that.
You can adopt a culture trav. It's not inherent in the genes.
My wife knows girls that have been adopted from orphanages in communist China who are as American as you and I...whatever that winds up meaning these days.
Now, stick them in with this idiot couple above and they would be just like them with the passage of time, they would see nothing unethical about it...they would begin to expect "free"...culture is learned...not genetic.
.
"culture is learned...not genetic."
point, set, match.
though I'd add, so is "gender"
are you a fucking idiot?
there you go again, replying to me. . . *grin*
sorry, man, I don't know who you are, just that you said something incredibly stupid like that gender, and by that you mean sex, is something that can be taught. Such a notion is patently idiotic and so on the far side of factually inaccurate as to warrant an immediate response calling you an idiot.
lol, to you AND your fanbois here.
I think you'll find that SEX is a body type, visible and test-able, although it doesn't fall in a perfect either / or, and "gender" is the cultural role assigned to the sex-type based on current needs from those who create the culture - ie, if the state is religious based, then the women get to play a specially policed role - the male one is pretty constant, you eat, fuck, go to work or war, pay your taxes to the state, die.
hence the "gender benders" in every culture, usually men cross dressing women, but there are drag kings too. and it's not a "gender" change when a dude gets the op, it's a SEX change.
we've had THIS conversation before, and it's always end thread. bring it up sometime early, and ZH will thank you for the page hits.
later angryman.
What? Now you are claiming that some blacks have superior genetics? And that those superior genetics make them "act white"?
Christ, you must be taking crack.
are you talking to ME, cliff?
You do know what a normal distribution is, don't you? YES, there are some blacks with good genes for civilization. Probably most blacks have a higher IQ than you do, for example.
Right, so the one in a thousand black with an IQ over 110 just happens to be attracted to a virulent racist like yourself? Yeah fucking right.
Note that if you set the bar at 140 for sterilization, according to the figures you cite for average black IQs in the US, there would be approximately ZERO blacks that make it through unsterilized. And it would be damned odd to meet one with an IQ over 120. Which I have. On several occassions.
Also, my IQ is 161, which is likely quite a bit higher than yours. I have also contributed more to society than you ever will, as I invented a material that prevents 100% of plaque on teeth, meaning no more cavities, or any of the other unpleasant things that follow. Also seems to eliminate gingivitis. And that is just ONE project that I headed.
You, on the other hand, are a broken down old loser living in the ghetto with a couple of crackwhores continuously crooning on about his dumb ideas that make no sense past the very surface, and are indeed, absurd on the face of each issue. Also, you have continuously lied about your profession, shifting from IT, to nuclear engineering, to law.
Now, feed us all some more lies and foolishly revealed truths about yourself.
What? What have you given to society? Don't give me some BS "it's in a trial phase"
What contribution have you provided that has propelled humanity forward?
WTF are you talking about? SeLECT Defense is on the market. Ask your orthodontist about it. It'll change your fucking life. I give a light scraping with the toothbrush and rinse with mouthwash now, out of HABIT. Eat any kind of shit you want, sugar, acids, whatever, no tooth decay at all. Fuck, they put it on a little girl with braces who refused to brush. Her gums were BLEEDING, and her teeth looked like they were about to fall out. After six months with the stuff on there, she had a perfectly healthy mouth. Still NO BRUSHING. And still had the fucking braces on. Those of you who have had braces know how big a deal that is.
And that shit ain't nothing compared the the bandages. A neighbor of mine had cancer on his back, had a big slice taken out. He wanted to go back to work. I gave him a peice of bandage that wasn't even big enough to cover his whole wound. Went back to work a month earlier than he should have on a fucking backhoe. Popped every one of his stitches. The doctor said he should have been dead from an infection. But there was NONE.
After that shit comes catheters, then tubing for commercial and industrial applications, then reverse osmosis membranes.
Fuck, I'm changing the world.
But hey, you guys keep gibbering about how great you are, and how much afro-poon you get. I'm sure your mothers are very proud of how much you hate black people. One of which works in our lab group and is the best fucking employee I have ever had by a wide margin.
Ugh...you're part of the healthcare system that no one needs.
You're a waste of time.
Just another thing to bill medicare/aid.
You're a waste of life.
Nothing new helping humanity.
We don't need new bandaides.
R~ight, so PRIVATE research which was liscenced to a PRIVATE company which then sells the product to PRIVATE orthodontists is "medicare/aid".
You deserve to have your teeth fall out, and to die of gangrene. GTFO of my inventions.
Cliff, like the last time you claimed an IQ of 161, I told you if you're going to lie, LIE CREDIBLY.
There is not a SINGLE person here beyond 2 sigmas right of mean that believes your IQ is 161. I'm not even going to inquire as to what "test" you took out of what cracker jack box to claim that score. It's just laughable.
If your IQ is 161, mine is 261. This is, as I said, obvious to the people around here who actually are real scientists and intelligent. They laugh at you. Sometimes, we make jokes about you that fly over your fucking head.
Lying about things you "invented" isn't going to help your case, either. Give us the patent number and I will eTeas the shit.
"......THEN, after I won my *second* Congressional Medal, I regretfully left the SEALS and Delta while a nation mourned, because - frankly - those candyass pussies were slowing me down. Now I divide my time between impregnating my stable of fine-ass bitches, a hugely successful VC business, a Grammy-winning musical career, fighting crime, and charity. Oh, and I'm also a world-famous pornstar."
Ain't the internet great?
"Culture comes FROM people"
Hmm strange I've never seen anyone whip up (a) "culture" like a martini or a club sandwich.
Culture is indeed delivered by the culture fairy known as ecology or for the illiterates, nurture/environment. Not a single person created their own culture while they were crawling around shitting themselves and sucking mom's tit.
Everyone is embedded in a culture from the moment they're born to the moment they die. Your conception of culture and human variation is astonishingly but unsurprisingly naïve and superficial. The Gaussian distribution offers no causal explanation and attempting to impute one just reveals an ignorance of the central limit theorem.
Now before you even consider firing back with more of that pure genetic determinism fantasy bullshit, first explain for us the Flynn Effect and its proposed mechanism, twin studies, and epigenetics. Genetics is only the holy grail of grade Z rayysizzzumm if you don't know jack shit about it, making its explanatory capacity equal to that of phlogiston.
You're talking about about a white guy getting beat up by some thug?
You know what happens when white people get pissed?
You get people like:
Hitler
Mussolini
Stalin
Napolean
etc
When white people get pissed they try and take over the world and kill everyone in their path. The last thing you want to do is start pissing off whitey cuz thatz wen shitz geh reel homey.
Shit...look what Germany did to Greece with NO war (Spain/Portugal are on deck)
lol...no, I was talking about the perception of weakness and projection of strength...which are often times the exact opposite of reality.
All of your examples failed spectacularly in the final analysis didn't they? ;-)
Yea, they did fail...but HUNDREDS OF MILLIONS died under just those 4 individuals.
The premise of my argument was...don't piss off whitey (unless you want the aforementioned to repeat itself)
If you would quit fucking around with your first comment to me I could have responded to it...in it's ENTIRETY...this is not your faux trading account where you can manipulate outcomes.
They are fucking dead and they took a lot of innocent people down with them...and they didn't give a flying fuck about skin color.
Only themselves.
That's because at that time there was no variation in skin color in those areas.
What are you a fucking idiot? You think Hitler took kindly to blacks? Mussolini? Stalin?
Get the fuck outta' here.
I heard Putin LOVES blacks lulz.
You've clearly lost whatever point you had on the top of your head...so I'll pick up my beer from there and leave you to contemplate whatever the fuck "don't piss off whitey" had to do with Hitler, Mussolini, Stalin et al as they killed indiscriminately anyone who opposed them.
They could have been green and they wouldn't have cared.
You're a twisted little shit aren't you?
What was your premise?
"No one around here has ever heard of or seen a wigga?"
Swim to the bottom of a pool and inhale deeply.
My premise is...the example of, stupid little white white boys adopting another culture as their own...in this case a subset of urban black culture, the gangsta culture.
It's a culture/lifestyle choice, not skin color.
And there is nothing socially redeeming about gangsta's...whether they wear ties and work at bank/government or wear baggy pants and hold up liquor stores.
Their skin color has nothing to do with it. It's a culture modeled on criminality and baseness.
Piss off whitey...lol...what a dumb fuck.
It's a fetid little criminal culture...you guy's better get a fucking clue.
http://www.youtube.com/watch?v=mPGhZkfeADY
You need this to go with it:
http://www.youtube.com/watch?feature=player_detailpage&v=2a9JxZRdlz4
http://www.youtube.com/watch?feature=player_detailpage&v=3SEAeH6SnRs
http://www.youtube.com/watch?feature=player_detailpage&v=jyQA56ann20
http://www.youtube.com/watch?feature=player_detailpage&v=3SEAeH6SnRs
http://www.youtube.com/watch?feature=player_detailpage&v=VNU-JrVpxxc
http://www.youtube.com/watch?feature=player_detailpage&v=4c0F-QwklTE
It is the little people taking advantage of what the 'big' people created. Good for them.