I am in love with how you are addressing this problem, as a white girl who grew up in a major city, I was the "white" girl in my school my senior year. I was harassed by the other kids for being white. I was told by a teacher when I tried to get help that "only whites can be racist" and nothing was done. I could care less what color your skin is or what nation your from or the religion you practice, I care how you treat yourself and others around you. I love the way your not pointing fingers, that only devides us more.

@janetdesmith8125

Жыл бұрын

Thanks for sharing. So many people are in denial.

@cwr8618

Жыл бұрын

what kind of psychopath would say that only whites can be racists?

@janetdesmith8125

Жыл бұрын

You are not alone. I have the same experiences.

@Jay-jb2vr

Жыл бұрын

*cliche story...*

@Neyduu

Жыл бұрын

​@@Jay-jb2vr But so true, Jay.

Larry brings the facts, and a slice of sanity, sincerity and humor.

As a 77-year-old white Texas man who married an ebony queen in 1971, had a 25-year marriage with her until her untimely passing, and has six black godchildren who I helped raised to become successful adults, all I can do is shake my head at the skewing of facts in this discussion. Having lived in both black and white America (and these are two different worlds), working in predominantly white offices for over 50 years, being fired more than once for having a black wife, having sat at meetings with school officials who dissed my kids natural hair, and having many times seen and experienced overt racism personally, all I can say is what planet are you conservative Blacks on? I don't know one black person that would agree with much of anything you say. Do such "conservative" Blacks who seem to have an affinity for Trump politics do this just to be different and find it an easy avenue to grifting? Come on man!

@jasminejoseph8307

11 ай бұрын

👏🏾👏🏾👏🏾

@michelleraborn6886

16 күн бұрын

I'm very sorry for your loss

My dad is the most important relationship I have ever had and will ever have. He got me into running which taught me got and determination, he taught he how to fix things, he taught me how to cook, how to read how to ride a bike, how to drive a car, how to write, how to think about math to be able to do it in my head, how to listen, how to comfort people, how to better communicate, damn near everything. I love you dad

I love Larry because he comes with the stats. The stats shut you the hell up.

@yousaytomato0000

Жыл бұрын

Ehhh statistics are never that simple. You should always look at a variety of sources, never just go off the first thing you hear 🤷‍♀️ js I for one am always nervous about people who claim to have answers for everything. Things are never this black and white

@michaelmaddox2536

10 ай бұрын

​@yousaytomato0000 facts. He cherry-picked times and dates very carefully, and when he mentioned risky events, he hurried through them. There are reasons for everything. Pre 1950's the black family were strong despite the racial violence towards us by white citizens backed by our government. I love how the events of that time was largely omitted. We gonna just ignore Jim Crow laws..... right. Lol the facts and statistics.

Loved this! I discovered Thomas Sowell and Walter Williams just over 2 years ago. Prior to that, I hadn't really paid attention to politics. Now I can't get enough. One of my favorite lessons from Sowell, and which I relay to people as much as I possibly can, is that (some) things aren't getting better because we keep judging policies by how progressive they sound rather than on the outcomes.

@hanh3000

Жыл бұрын

Same with me. I discovered Sowell probably in 2019 I think. And I can’t get enough of it also. Prior to Sowell, i didn’t know how to analyze what politicians or media are saying. I had no idea whether they’re lying or misrepresenting. But now everything makes so much more sense now as to why things are the way they are

@indrapratama7668

Жыл бұрын

Sowell is kinda like Williams' spiritual successor.

@kimj5037

Жыл бұрын

@@hanh3000 Yes, 100%. Another important lesson I've learned is that today's media isn't really left vs right, it's establishment vs independent. My go-to journalists are now people like Glenn Greenwald, Kim Iversen, Matt Taibbi, Batya Sargon, Megyn Kelly, Tara Henley and channels like Breaking Points and Rising.

@kimj5037

Жыл бұрын

@@indrapratama7668 I don't know about successor. They were best friends. I would give the successor title to people like Coleman Hughes, Gothix, Roland Fryer, Jason Riley and Larry Elder and Amala of course.

@robertdemeo

Жыл бұрын

@@kimj5037 According to Jackson Hinkle, Breaking Points aka Krystal & Saagar are totally funded by establishment pro-war groups and corporations and so are not at all independent. Agree on everything else tho.

I love Larry Elder!!!! What an awesome guest appearance

@SIKE01

Жыл бұрын

the next Governor of California

@-NBN-

Жыл бұрын

I love Larry Elder racist ass too

@terryhall818

Жыл бұрын

@@-NBN- typical lefty if you don't agree! Call them racist & if that doesn't work sexist, homophobic etc etc 😂😂😂

@louissampson4885

Жыл бұрын

Yeah!! I bet Larry is a real TOM fr fr!!!

@PaulDA2000

Жыл бұрын

Larry elder is an ass kissing, far right wing conservative, who should be ashamed of himself.

All my life I called Larry Elder a sellout cuz i didnt know any better. But this dude has numbers to back his facts and I'm starting to listen to everything this dude says because it all makes sense now. He has helped me see through the bs. Plus we graduated from the same high school

@David-cv8zd

Жыл бұрын

He really is a SAVVY ,GUTSY, CLASSY SOMEBODY! I'm proud of him!

@kevinusher6388

Жыл бұрын

He is a sell out and can you or him explain the discrepancies for sentences for blacks for the same crimes and white men earning more with the same experience and education I have numbers to back that up

@TheCrazedaarson

Жыл бұрын

@@kevinusher6388 he explained the sentence discrepancies but ok. I already thought the same thing until I found out that most of those sentence discrepancies are due to repeat offenses. How come we never discuss the big elephant in the room? Like the sellouts that look the other way when blacks are killed by blacks? How about the sellouts that come to poor neighborhoods and claim they don't need police? When my people are affected in ANY way, not just police brutality, it pisses me off. We need to start there

@kevinusher6388

Жыл бұрын

@TheCrazedaarson how? The data does not lie people like him and Candace Owen's and the lady from the video will excuse away the numbers as libs complaining for nothing. But there are cars now where blacks have been killed by whites in cold blood and no charges. One guy in Ohio got out of his car and shot a 13 year old kid drove away they had to send Swat to his home to apprehend him and he was not charged. The kid had no w weapon and was running away. I guess he was a threat smh. It comforts racist to have people of color excusing the discrepancies so they can say blacks are just lazy or complaining for nothing.

@phillipwright9006

Жыл бұрын

you would not be the first to be bullshited with cherry picked numbers or fast talking race trader's.

She needs to teach almost every other interviewer how it's properly done. She asks a succinct question, then gets out of the way and let's her guests answer.

Two of the smartest and most honest people in the discussion!

@morsedeaconanthony

Жыл бұрын

😆😅🤣😂

@RedRoomReno

Жыл бұрын

54 minutes ago? You commented before the vid came out 😮

@TheCastedone

Жыл бұрын

@ElleAsmodeus she's a puppet.

@j.rnitram8794

Жыл бұрын

It isn’t honesty what they were going for is talking points!

@naijaplayer

Жыл бұрын

@@RedRoomReno Probably commented on it while the video was waiting to go live

Larry Elder and Amala are great.

@joelmaldonado1735

Жыл бұрын

💪🏽

@Eduardude

Жыл бұрын

I also love that image of the great Thomas Sowell in the background next to the guitar. Sowell is one of the few people in world history who makes the title "social scientist" not sound like an oxymoron. Sowell brings a wonderfully scientific, factual, objective attitude into the field. He transformed his gifted mind with intensive application and beautiful scientific discipline such that one stands in awe of his talking and his writing. He's one of the masters of the millions of rubik's cube puzzles of economics and sociology.

@willharriman1881

Жыл бұрын

They are basically two nitwits desperately trying to pretend white racism is nonexistent!

@Cimmerian415

Жыл бұрын

@@Eduardude Thomas Sowell is a national treasure.

@suzygirl1843

Жыл бұрын

They just want Republican money. You are easily fooled

This shows that there is still hope for this country with this young intelligent beautiful human being, thanks Amala.

@willharriman1881

Жыл бұрын

AMALA IS YOUNG AND DUMB! She shows no knowledge of actual LEGITIMATE race complaints!

@Michael-hw6pi

Жыл бұрын

All Larry does is run his mouth he has no solutions to shit how about this Larry YOU REPUBLICANS AT THE BORDERS WITHOUT A PLAN OF ACTION WITHOUT NO STRATEGIC PLAN CONCERNING THE CLEANING UP OF THE BORDERS NO EXPLANATION FOR WHY THE PRESIDENTS REPUBLICAN PANTIES THAT HOLD ALL THE PRESIDENTS BULLSH$T OOPS l MEAN REPUBLICAN PARTIES LIKE THE REPORTER SAID TO SENATOR CRUZ THAT THIS HAS BEEN GOING ON FOR YEARS!!! WHY WASN'T ANYTHING DONE ABOUT IT BEFORE TRUMP WAS PRESIDENT???? WHY WAS THE SEX, GUN DOPE TRAFFICKING EVEN HAPPENING IN ANY DEGREE YES TRUMP GREATLY REDUCED THE CORRUPTION AT THE BORDERS OF AMERICA BUT WHO STARTED IT IN THE FIRST PLACE???? CORRUPT DEMOCRATIC AND REPUBLICAN POLITICIANS THATS WHO. AND THEN AT THESE BUFFOONISH SENITORAL INVESIGATION HEARING ARE A FARCE AND A INSULT TO TRUE JUSTICE!!! DAY AFTER DAY YOU DRAG THSES CORRUPT ADMINISTRATIONS TO APPEAR JUST FOR THE CAUCASION MINSTREL SHOWS TO BEGIN THE LYING, CHEATING DECEPTION TREACHERY, TRATIOR TREASONISTIC ACTIONS OF THE DEMOCRATIC AND REPUBLICAN PARTIES WHY WAS THE SEX, DOPE,GUN TRAFFICKING FLOODING IN AMERICA IN THE FIRST PLACEAFTER ALL AMERICA HAS WAR CRIMINALS, TERRORIST BOTH HOME GROWN AND INTERNATIONAL, SPIES,CONSPIRACIES BETWEEN CORRUPT FOREIGN GOVERNMENTS TO KEEP THE NEGRO COMMUNTIES IN THEIR PLACE WITH TORTURE AND BRUTALITY MURDER POVERTY SADISM BIGOTRY JIM CROW LAWS GENOCIDE MASS MURDER DOMESTIC VIOLENCE TERRORISM YOU DEMOCRATS AND REPUBLICAN RATS LIVE IN THE SAME SEWERS ROLL AROUND AND FEAST ON THE DEAD AND THE SUFFERING THE EVIL WHITE SUPREMACY DOCTRINE DISEASE OF PERVERSION EXPLOITATION DESTRUCTION DOMINATION SUPPRESSION OPPRESSION SEGREGATION ECONOMIC TERRORISM ECONOMIC EXPLOITATION ECONOMIC RETALIATION ECONOMIC HARASSMENT ECONOMIC OPPRESSION DOMESTIC ECONOMIC HOLOCAUST

@Michael-hw6pi

Жыл бұрын

All a degree is a resume that shows a employer that if you have the discipline and organization enough to sit in class and study to get the degrees then you can work for us

I am a black conservative, who actually voted for Donald Trump not once but twice. But I can’t stand blacks whose entire existence is to make the point that racism doesn’t exist in America. As a black man in America, I do not need to be convinced that racism exists in America. But I do feel that racism can be overcome with hard work, sacrifice, and good decision making.

@dannydaniel8975

Жыл бұрын

Interesting.....Howard University recently did a study and the data they compiled said that it would literally take black people 228 years to amass the same amount of wealth as whites. So, that means that 228 years from now, blacks will still be dealing with poverty and ghettos...I sent DM's to both Elders and this Amala chick about the Howard findings several times and have had no reply at all...

@ReelPiscesPlays

8 ай бұрын

Thats the part that im stuck on. Being conservative is one thing, but to act like racism and systematic racism doesnt exist is bs. I dont think that the race card should be used as a ticket to get out of something or to deflect from one's own short comings. I have been on both ends and to have another person of color tell me my experience is not valid because its unheard of or because they themselves havent experienced. I do believe black people's mindset is what is holding up back but that does not mean that racism is a root to SOME issues not all

Maybe it’s because I used to consider myself leftist too, but Amala’s my favourite of the conservatives podcasts. The perspective, word-choice and what she chooses to focus on are what I would. To say racists voted for Trump after voting for Obama, doesn’t make sense, unless voting based on skin colour (because he’s black) is racist. Having a Mormon president might have been as historic, it definitely would be weirder then having a black president, I’m not saying he was the right choice, but I definitely didn’t pay attention to Obama’s presidency because I thought any criticism would be seen as racist, even if they were legitimate concerns…. But we gave him a chance… and it didn’t solve racism (shocker) My biggest regret is tuning-out of politics after ‘08 because I thought enough good had been done, and surely a black president means we’re in a post-racial society… now we’re all one, right? Black people don’t want to see themselves as black, right? After Peterson got popular, I had an identity crisis because I couldn’t understand how he’s right-wing… because I stopped paying attention for 8 years and last I remember right-wing was pro-war. I used to get called gay alot, but it was because I dressed nice and didn’t follow crowds… now being gay is all about following the crowd… Capitalists love being able to put a rainbow on and charge more for products

@jenhorn5859

Жыл бұрын

Great comment. I don’t usually read long ones but your comment was too good to stop reading.

@amichiganblackman3200

Жыл бұрын

I agree with most of what you said except for the black people not wanting to be black as some sort of aspirational good. That is a terrible thing. There's nothing wrong with black people seeing themselves as black.

@hanh3000

Жыл бұрын

Great post. I thought and felt the same way as you did. I thought it was great that Obama was elected and now we can put certain things behind us. Also thought the same about criticism towards Obama must’ve been racist so I didn’t pay any attention to it. I even dismissed black conservatives who criticized Obama as Uncle Tom and I couldn’t stand to even read what they had to say.

@dabidibup

Жыл бұрын

@@amichiganblackman3200 I know what you mean, but I don’t think of myself as white (I don’t think white is an identity or means anything to whites), but I have Irish and French to fall back on (still doesn’t mean much). American blacks don’t have that, their history stops. I don’t want to be considered the same as other whites, I thought black people would feel the same, but it’s easier for them to consider themselves as one thing: black, as opposed to whites who think of themselves as Irish, French, German, English, Scottish. I never thought of myself a White American, because I thought that was the point of America, we’re Americans first. My heritage interests me, but it isn’t my identity. But I see the significance of black America in a historical context. They, as a people, are 400 years old. My people’s history finished in America, yours started. I’m not a fan of the black/white/brown division, I’d rather mention countries of origins, but some people don’t known theirs, and I gotta accommodate

@jan-willembavinck3650

Жыл бұрын

@@amichiganblackman3200 I'm white but it doesn't have any significance to me. I don't associates with other white people because of a shared culture... Because there's no such thing as white culture! Why in America after so many years is there a separate black culture? As far as I'm aware black culture in USA has nothing to do with Africa yet black people are called African Americans... The more I think about this the more I think there's some advantage to certain groups in society to stop racial integration..... Sorry I'm probably not making much sense... Appreciate your comment.

I'm a straight white lady and as Iv'e said to you before i think your intelligence, and articulate speech give me hope for the future. With young people like you with the courage to speak out, the world is in with a chance despite the current insanity. Your current conversation puts me in mind of the lifelong fight against racism that Sammy Davis Jr put up because he truly believed in universalism. Colour shouldn't count. Now, I have adored this man all my life. The depth and breadth of his incredible talents were the stuff of legend. And his gorgeous voice oh my. He nearly worked hself to death with his work ethic determined to change things for people of colour. Eventually he did become "the world's greatest entertainer" . He was a phenomenom, but here's the rub, the more he gained nation wide and international stardom and not just acceptance but became genuinely loved the more his own people turned against him. Called him an Uncle Tom etc. Despite this he worke tirelessly, for the civil right movement, gave generously to causes like education for people of all colours. And because of him the doors were fiung open for all the black entertainers eho have followed him. My point is the sheer cussedness of people. He won over white people only to have his own people turn against him. Its a long hard battle to make people see sense, to see how racism is so corosive to the whole of society.. The world is currently going backwards but I guess now it's up to the brightest and best among you to fight it tooth and nail. You may have seen it but if not may I suggest you watch this wonderful documentary about him.; "Sammy Davis Jr .....I Gotta Be Me" ❤❤❤

Amala continues to rise as one of the great young conservative voices in this generation! As sharp as Ben Shapiro, as fearless as Candice Owens, and yes, as pretty as Liz Wheeler. Black, white, male, female, it doesn't matter, Amala stands out in any crowd as a triumphant leader! Whether she is spotlighting the brilliance of Larry Elders, Thomas Sowell, or Dennis Prager, She remains a breath of fresh air, highlighting conservative wisdom! Kudos Amala, keep up the great work!

@TheHighway420n

Жыл бұрын

Dam girl...i tried to speak highly of her and you just told it better then me...i love it❤ Speak it sister!

@PaulDA2000

Жыл бұрын

Ben Shapiro is a jerk and the girl is misguided. The United States is racist. It has always been racist and always will be racist. She seems like another Candace Owens they both may as well go and kiss Trump’s feet.

@fred5nyc

Жыл бұрын

You can't be serious, she is just another Candace, nothing original here, just someone who understand that there is money to be made by speaking negative about her own people. It's that simple.

@8:51 I agree with this statement which is why I wonder how student loans are a thing. Why are 18/19/20/21 year olds WITH NOTHING TO THEIR NAME (not even a JOB) allowed to take out hundreds of thousands in student loans. That's predatory!

@poopieinmybuthole3379

Жыл бұрын

Predatory is the American way!

You are a bright star in this world of wokeness and darkness, giving your audience lots of interesting information full of passion and honesty and it is unbelievable how someone at such an age (21!!!) can be so politically informed. I encourage other young people to get their heads out of pop culture, school books, romantic movies and such things and read the history from the right channels and wake up, be tolerant and kind towards each other unlike woke people. Best wishes from Germany

I am impressed by how well her thoughts are vocalized, she is an artist and beautiful.

LMAO larry when he said “did they get bit by a racist radioactive spider?”

Thanks for this conversation Amala. I'm a black woman and have some follow up questions to this conversation (i come in peace 🏳️‍lol). Would love your thoughts on it, as I feel you are a fair and genuine voice of the right. 1. I feel like the first question was sort of glossed over. I think Larry said something about how "Black Wallstreet" was rebuilt, but honestly I'm still curious about your thoughts on why it needed rebuilt in the first place. 2. I totally agree with the point of loan denials being linked to credit scores. Correlation doesn't mean causation and here that means it's not being black that's causing the loan denials but the credit scores. That's totally fair. But I have a few follow ups to that: A) What about more blatant examples, albeit it may be rare, where the same home is appraised for less when a black couple shows it vs a white couple. Idk how much data is available on the experiment details, but the only way I can see this not being racist is if the sample size was really small. No 2 appraisers will give the same appraisal, but if this happened 100 times over, there would appear to be some bias there. B) why do you believe black Americans have lower credit scores in the first place? Speaking from personal experience, I have an excellent credit score and had no problem purchasing a home. But one could argue that a lot of things had to go right for me in order to not be subject to the same issues many other African Americans experience. For example, I am educated on personal finance. Most of this education did not come from my parents nor grade school. It wasn't until I got to college did I learn personal finance. Since our education system sucks, many people regardless of race won't know the basics of personal finance until they go to college. But not everyone goes to college (nor should they). I'm assuming most of the African Americans with the worst credit scores are those who didn't go to college. I'm also assuming African Americans are least likely to graduate from college than some of their counterparts. If this is so, why? Perhaps because it's unaffordable, or because there is less precedence for it in their family. Why? Because going to college for African Americans wasn't that popular of an idea until recent generations. At least this is the way I look at it. Not even saying this is an exclusive black problem. Plenty of white people fall into this same circumstance. But when the numbers lean so heavily towards one group, I'm curious of your thoughts on why that is. C) I totally follow the logic of all the defaulted loans that Larry mentioned. Makes sense. Those loans should have never been granted. But what would be interesting is to see how many other races were granted the loans with the same shitty credit scores. You hear of people defaulting on their loans and overspending all the time. This is not a black and white issue. But if say white people are getting loans with the same credentials, that would be a case for bias. I'd be curious to see those numbers. If they were also denied the loans at the same rate, then I could submit to Larry's argument. 2) The fatherless household theory has always been interesting to me, but I wonder if this is another case of observed correlation, not causation. I definitely believe a 2 parent household is better than 1, but I also think we discount situations in which a child is raised by 1 parent and other family members like grandparents and/or aunts and uncles. If the argument is to have a male figure in their life, but an uncle or grandfather are in the picture, one begs to question if there's more to it. For instance, maybe a contributing factor for delinquent behavior is less supervision because 1 or both parents have to work. Perhaps these parents are also absent because they we trying to pay rent and childcare is expensive. There's definitely a whole other conversation here warranted about procreating without the financial means to do so, but just speaking for the kids and not the parents, they may act up for a myriad of reasons. Who knows what kind of stressers poverty has given them that leads to lashing out. White parents get divorced all the time but I'm not sure if white kids on single parent households have the same outcome at the same rate. (FWIW, I'm by no means defending absent black men, nor black women who mindlessly procreate with them). 3) Regardless of where one falls in this discussion, I think the most useful discussion would be, how do we get everyone regardless of race who want to succeed a fair chance? Or is it your belief that they already have that chance? If so, why do you believe something like home ownership is still so out of reach for so many African Americans (and also others, but disproportionately so for AAs)? It seems to me like this discussion focused a lot on the symptoms of what one might consider systemic racism, not the actual acts of racism (ex: higher car insurance isn't a racist act, but could be a symptom of the result of racism). Thanks for hearing me out! 🙏🏽 I'm also open to anyone else's thoughts so long as it's genuine and respectful. I'm politically a "free agent" so I'm not here to defend the liberals 😂

@hayeslincoln3111

Жыл бұрын

I have heard this reply to fatherless homes too Let me say this to you as a dad. Grandparents are not dads. Uncles are not dads. Dads are in a whole different category. What I bring to the equation as a father is uniquely me. It's hard to explain. But a child especially a little boy looks to his dad as his hero his protector. His buddy. Look at the relationship you see with your male friends. There is a bond we have with each other. Very few women will ever be allowed into . It's a guy thing. We guys can never be amoungst the girls and even think we got the inside track to what they are talking about. We know it and you do too. My daughter was treated different than I treated my son's. They re different . Dads are like that too. My brother had a short relationship whit my daughter when she was little. It's not the same. You could see it by the way see looked at him. She liked him. But I was her Dad.. I can t say it any different than that. We dads were called to be honourable strong righteous fun loving tender. And because the black community had that ripped away from them they now have no mentors for the young guys. And I can tell you that a women is not a substitute for a dad. And when your having babies at 15 years old and your mom and grandma did the same. You have no point of reference as to what is good . And a dad has to be in the house to make a difference. Having breakfast supper. Doing home work etc etc. And the neighborhood doesn't t make a difference. Because dads will straighten out the knuckleheads of the neighborhood. .

@curateipsum8311

Жыл бұрын

To add on to the fatherless homes issue: It is not just another case of an observed correlation. Growing up in a fatherless home is one of the greatest predictors of poor life outcomes for young men (lower graduation rates, lower rate of college attendance, higher chance of committing crime) and there is a good amount of psychological research available on the subject. This issue affects all groups but naturally has the greatest effect on the demographic with the highest rate of fatherlessness. I hope this information is helpful.

@Bridge2110

Жыл бұрын

Blacks don't get less for their homes if you actually use relevant controls. "However, there is no evidence from the preferred specification that Black or Hispanic families receive lower returns on their property once controlling for factors such as years of occupancy and overall house price movements in the market." From "Heterogenous Rates of Return on Homes and Other Real Estate: Do the Rich Do Better? Do Black Households Do Worse?" - Wolff 2022 Blacks also are less likely to pay back loans with the same credit score.

@jasminejoseph8307

11 ай бұрын

Sis I was waiting for this comment! Thank you for spelling out all the underlying questions that were glossed over. Nothing in this video was debunked to me. As you said, there's another layer of questioning to all those points about how black people ended up there in the first place. I'm a new follower of Amala's and really the only things I disagree with her are her views on race. But this comment is golden! Great discussions all around.

Elder's humility is inspiring. Amala keeps it light. The information is timely and sound

@hughesjanus

Жыл бұрын

Larry "Reparations for slave owners" Elder. Outstanding guy.

@gotnatas

Жыл бұрын

​@@hughesjanus Is that true or simply what you wish it to be?

@jryecart8017

Жыл бұрын

@@gotnatas Democrats and the media insist the Community Reinvestment Act, the anti-redlining law beefed up by President Clinton, had nothing to do with the subprime mortgage crisis and recession. But a new study by the respected National Bureau of Economic Research finds, "Yes, it did. We find that adherence to that act led to riskier lending by banks." Added NBER: "There is a clear pattern of increased defaults for loans made by these banks in quarters around the (CRA) exam. Moreover, the effects are larger for loans made within CRA tracts," or predominantly low-income and minority areas. To satisfy CRA examiners, "flexible" lending by large banks rose an average 5% and those loans defaulted about 15% more often, the 43-page study found. The strongest link between CRA lending and defaults took place in the runup to the crisis - 2004 to 2006 - when banks rapidly sold CRA mortgages for securitization by Fannie Mae and Freddie Mac and Wall Street. CRA regulations are at the core of Fannie's and Freddie's so-called affordable housing mission. In the early 1990s, a Democrat Congress gave HUD the authority to set and enforce (through fines) CRA-grade loan quotas at Fannie and Freddie. It passed a law requiring the government-backed agencies to "assist insured depository institutions to meet their obligations under the (CRA)." The goal was to help banks meet lending quotas by buying their CRA loans. But they had to loosen underwriting standards to do it. And that's what they did. While the 1977 law was passed 30 years before the crisis, it underwent a major overhaul just 10 years earlier. Starting in 1995, banks were measured on their use of innovative and flexible" lending standards, which included reduced down payments and credit requirements. Banks that didn't meet Clinton's tough new numerical lending targets were denied merger plans, among other penalties. CRA shakedown groups like Acorn held hostage the merger plans of banks like Citibank and Washington Mutual until they pledged more loans to credit-poor minorities (see chart). WaMu CEO Kerry Killinger has blamed the CRA for his bank's overexposure to risky loans. He said he wanted to tighten lending requirements, but "such measures would have presented other issues such as the company's CRA rating and its commitment to serving its (low-income and minority) customers and communities." Other large banks have reported serious delinquency rates on CRA home loans. Bank of America's 2009 10-K states: "Our CRA portfolio comprised 6% of the total residential mortgage balances, but 17% of nonperforming residential mortgage loans." Under Clinton's revised CRA, moreover, banks for the first time earned CRA credit for purchasing subprime securities.

@warnerchandler9826

Жыл бұрын

​@@gotnatasHis name probably says it all.

Larry Elder has always blown me away with how he can pull up stat after stat, fact after fact, and stories to make a point. AND NEVER LOOKING AT ANY NOTES! Half the time I can't remember what I had for breakfast. Mind boggling.

I actually did some fact checking, and Tulsa wasn’t rebuilt immediately. Those residents and their descendants still haven’t been compensated for their homes being destroyed. He is however correct when he says that it wasn’t called Black Wall Street until it was rebuilt.

Amala, phenomenal job as an interviewer

My neighbor was a loan approval officer for a bank. His stories about having his loan denials overturned by the gov and going from below minimal level to top tier status (before recession), support what was said in the vid. A sample was giving 90% loans to people equal to 6 times their annual "stated" income. "There are two rules: first is that you should only spend a maximum of 30% of your gross income on a monthly mortgage payment. Second, the value of your home should not cost more than three times your household's annual gross income."

@michelleraborn6886

16 күн бұрын

And now it's almost impossible to get a home loan, so people are stuck paying rent that's often 50% of their monthly income. I'm stuck in that situation right now. Hoping at the end of the year I can get into a mobile home because at least the mortgage would be cheaper

@lamoe4175

16 күн бұрын

@@michelleraborn6886 Google th e effect the laws passed by Car ter (National Aff ordable Hou sing Act) and BJ bi ll had. My post highlights bi ll's , which directly lead to the hou sing bubble / burst.

Larry Elder always comes prepared with a mastery of the facts that prove his cause.

Absolutely agree with his take on the Government's duplicity on the 2008 housing collapse. The one thing Larry Elder left out on the Banking Crises was that most of the loans that were foreclosed on were variable rate mortgages. When the rate jumped, the people could not make the payments.

@mikewayne6608

Жыл бұрын

The 2008 was brutal: subprime mortgage, high levels of debt and a lack of regulation in the financial sector. I was underwater in a bad way. Glad I stuck it out.

@dtheman50

Жыл бұрын

You’re right and it had nothing to do with people’s affordability like he says. It was greed, stupidity, and torpedoed regulation that allowed it to happen. If he really is standing on the truth he should quit lying about this subject. And quit quoting Malik El-Shabazz

Love Larry. Speaks in a rare language, "Common sense"

Omg! We need a longer episode with him! Very interesting!!

This was great! More please! Newly minted conservative (leftist defector) seeking more level headed fact sharing. Can't get enough.

@andrewmarkle4569

Жыл бұрын

Glad to have you

@Aphrodite_ErosLuvChild214-80

Жыл бұрын

So you left the left and came further right ! Usually happens as ppl mature

@andrewmarkle4569

Жыл бұрын

@@Aphrodite_ErosLuvChild214-80 I was conservative as teenager so as Churchill said I have no heart but have a brain🙂

I wish Larry expounded more on the "Tulsa massacre"

Love Larry Elder. The man makes sense.

Larry Elder is a national treasure. He lives by facts and presents every argument factually!

Refreshing information superb delivery! Thank you!

FACTS about CRA. I worked in banking/ lending during those years and he is one thousand percent correct. BTW as a lower middle class white person, I could've easily overborrowed on a house that I bought in 2002 and I refused to do it and when I saw how hard the realtor and mortgage lender were pushing me to overborrow I thought what a load of garbage and when the crash happened I was not surprised AT ALL.

We need more black ppl like you guys telling the truth! You have no idea how much I appreciate you both, thank you!

@ahmorgan

Жыл бұрын

What truth? He glossed over the Tulsa race massacre and didn't mention who did it and how the government didn't assist them like they're supposed to do. I'm so confused. How does what he said disprove that whites attacked and destroyed black cities that were independent and successful.

You are, quite simply, the future of the Conservative movement. Thank you for your voice and your brazenness to state the truth, no matter what.

I just watched the video with Jordan Peterson interviewing Amala and decided to watch another video with Unapologetic and a few minutes in, I've hit the subscribe button. Great work.

Wow! You got Larry Elder to come on your show! Congrats! That's testament to the quality of your show. Well done!

Love that! Knowledge is a big key, thx Ámala & Larry!

How is the Tulsa massacre not true ?! It happened !!! Black people moved on and out and white rioters came and murdered over 300 ppl! Black people then had to retreat to greenwood where the rioters came and looted and destroyed everything… so I’m very confused at what you’re saying

Thank you Amala for this wonderful interview!!! Larry Elder is a brilliant guest. ❤

Love Larry...he is real!

Why am I just now seeing Larry Elder for the first time? He is brilliant and he is stating facts that are rarely talked about. Thank you Amala for introducing those of us who did not know him.

@carlfrye1566

Жыл бұрын

Buy a clue...because DEMOCRATS AND THEIR MEDIA FRIENDS don't want you to see him. They show Obama and Whoopi on mainstream TV talking politics, but not Larry Elder, guess why.

@Aphrodite_ErosLuvChild214-80

Жыл бұрын

Wow really? He's a GOP candidate and he had 2 GREAT movies released recently you definitely need to catch up on Elder !! Don't sleep on him

@MFYouTube683

Жыл бұрын

He ran against Newsom in Cali. I live in Europe and I know him? Read, honey.

@mikewayne6608

Жыл бұрын

​@@dannydaniel8975 "mount coonmore" very clever. How does one qualify for such an honor?

@brandons9913

Жыл бұрын

@@mikewayne6608 evidently by going against the victimhood narrative smh

Larry is awesome! Thanks Amala

Amala is thee most articulate individual in broadcasting today!

I don’t care if Tulsa was rebuilt in a couple of hours it should not have had to be rebuilt in the first place

Such a wise man. california could have had him as gov instead of newsome and been better off today.

@JS-mg1mk

Жыл бұрын

He would've been a great choice for governor. Californians really have no idea what they missed out on

Great video with two of my favorite conservatives. I’ve been watching and following Larry Elder for decades. Literally before Amala was born. OK, now I feel really old.❤️

I'm seriously beginning to understand this thought process and it's making more and more sense.🤷🏾‍♂️

It was awesome to see you and Larry together!!! God bless both of you!!!

That racist radioactive spider line had me spitting Sprite.

Just found your channel. Instant fan. Keep up the great work!

I absolutely love this video. Pure truth. Thank you beautiful Amala. LarryElder is the man.

The inconvenient truths NEED to be talked about. I recently had a conversation with a black friend about the way that we all view each other and the fact that, conscious or not, we all evaluate each other. My evaluation of him is that he is an intelligent, decent family man who is hard working. At the start of our conversation he made several statements often used by the "everything is racist" talking heads to include some pretty negative remarks about whites in general. I asked him if he truly believed what he had just said, I think he felt my surprise in what he was saying, and then he said something really interesting. He said, "There are many black people, white people and Hispanic people that I don't want to have anything to do with or have around my family" I smiled and said, "You know, I feel the same way, you could be purple for all I care. What's important to me is your character and behavior." He smiled and our conversations have gotten very interesting indeed. In case you are wondering I am of Puertorican heritage.

Great show. Love Larry Elder. Loved the shout out to Thomas Sowell, one of the greatest minds of the 20th and the 21rst centuries. Love the Hoover Intitute guys.

He didn't answer the question about the Tulsa Race Massacre, he just said "it's a lie" and then went on to talk about Obama. How exactly is it a lie? I'm really curious, not that I agree or disagree, I wanna know how he got to that conclusion.

@BeeBlot

Жыл бұрын

He did answer. He talked about how they built back even stronger, and that it wasn't called Black wall street until after the massacre. I think the lie he was referring to is that the massacre destroyed Black wealth.

@khanyi_zulu

Жыл бұрын

@@BeeBlot okay, but I've never seen anyone ever saying that it destroyed black wealth overall. The argument people make whenever they bring up the Tulsa Race Massacre is that throughout history, whenever black people tried to create something for themselves, it was destroyed... this has been done in Africa too. And yes, I think the majority of people are aware that it was called the 'Black Wall Street' after the massacre occured. He didn't exactly clarify what part of that story is a lie and he didn't debunk any "myth" regarding the Tulsa Race Massacre since this is a "debunking" video, please listen to it again.

@gloriasteele7938

Жыл бұрын

He actually didn't answer the question. How could a massacre of that scale not destroy wealth, regardless of race, gender, or ethnicity.

@ChasingColdLeads

Жыл бұрын

@@BeeBlot there was more than one race massacre. They happened all over America.

Amala and Larry, what a treat!

Long-time fan of Larry Elder! He and Amala make a great team.

Man…I learned a lot in this video. Thanks Amala & Larry.

While I'm EXTREMELY happy to not live in California, if I did, Larry Elder would definitely have gotten my vote in the recent gubernatorial recall election. Such a well-informed, intelligent, and admirable man -- right up there with Thomas Sowell. Why aren't thinkers of this caliber looked up to more widely? Oh -- and Amala, you're a breath of fresh air for your generation: a REAL stunning and brave young woman with a good head on your shoulders (and cute, too!). Keep fighting the good fight!

Chris Rock once famously said that nothing can beat "I'm gonna tell your daddy."

It’s “United We Stand,” “Divided We Fall.”

Excellent presentation of counter arguments.

I love the thinking. I love the comraderie and unity.

Great job Larry!

Mr Elder was an excellent guest for this subject. Great informative content. That is why I am a subscriber.

The man, the legend. Great interview

Fantastic show! Larry was amazing!

Well done! I hope you have another discussion soon.

The following issues Black America are truly concerned about. We don't care about immigration, abortion, or lgbtq rights. 1. Exclusive Foundational Black Reparations 2. Complete arrest and prosecutions of police who abuse their authority against Black America. 3. Guaranteed Federal protection against anti black hate crimes 4. A leveling of the business playing field in regards to Black businesses. 5. A complete review of immigration practices that threatening the stability of Black Americans Nationwide. 6. Full support for the restitution of Black neighborhood and their infrastructure

Never even heard of this guy before, maybe this country isn't going to disintegrate after all 👍

Hi Larry, You were spot on. I loved every example you used to debunk these lies in an intelligent way. Very respectable. thanks for enlightening us towards the truth. Keep up the good work.

Just because Black Wallstreet was named that AFTER the Tulsa race massacre doesn't mean the massacre didn't happen. It did happen. They recently found some mass Graves in Oklahoma. I don't get what his point was on that.

Stumbled across this by accident. Glad I did. Brilliant people.

Larry Elder is always great infotainment!

I love you both. I'm also for the truth, no matter who's telling it. Keep it up.

While there were indeed efforts to rebuild the community after the Tulsa Race Massacre, it's important to understand that the rebuilding process was challenging and did not fully restore the previous level of prosperity. The massacre resulted in the loss of lives, property, and businesses, leading to a significant decline in Black wealth and economic power in the area. While some rebuilding occurred, the long-term impact of the massacre on Black wealth and the community's overall well-being cannot be understated. This isn't the only prosperous Black community they've done this to. It was across the United States. I can't believe two beautiful Black people are denying systemic racism. Laws were passed, housing racial discrimination places, stopping Black's from building credit all contributed into destroying Black generational wealth.

Important episode. A lot of debunking, regarding "systemic racism." However, our country does have it's biases. Examples are, or could be, public schools in low income neighborhoods have worn-out books compared to public schools in middle class areas, that have good-quality books. Or, historically, cops have falsified evidence to setup random people, in high crime areas, who had nothing to do with the crime that was committed. On the flip side, wealthy people can get away with non-violent crime offenses, or serious crime offenses, with a high-priced lawyer... I heard of a true story of cops giving summons to blacks drinking alcohol in front of their homes, however, whites would drink alcohol in parks, and that was fine... I'm purposely conveying these controversies because, maybe systemic racism is overblown, but, America has a history of corruption, or "unfairness", throughout its short history. And one can say " life is not fair," but if it's not fair, by design, than that's a different story. Kind of like, through hard work you become financially successful. However, if our financial system is purposely setup to keep the masses financially struggling (keep people in debt, always raising the cost of living, creating so many rules/regulation where, if you break a rule/regulation, your career is over. Or, if the stock market crashed your company could be financially ruined), what's the point of hard work!? My rant is over. Good video.

@willharriman1881

Жыл бұрын

Your "rant" has much more truth than the video propaganda!

@jryecart8017

Жыл бұрын

@@willharriman1881 Eight year old girl murdered by DEMOCRAT BLM in Atlanta BLM sent out an alert broadcast by the socialist mouthpiece National Public Radio that so-called "white supremacists" would use vehicles to run over protesters blocking freeways and public streets. BLM changed its rules of engagement to allow shooting into vehicles of citizens avoiding roadblocks. Innocent citizens in Alamosa, Colorado, in Provo, Utah, and the CHOP zone were shot. An 8-year-old girl was murdered by Black Lives Matter rioters when they shot into a car in Atlanta in the violent aftermath of the Defund police movement, a mass walk-off the job of police in the wake of political persecutions by Democrats, and the death of a drunk driver fleeing from police.[436] A day later, Black Lives Matter murdered a Black man. In New York, a one year old Black toddler was murdered while sitting in a stroller during the DEMOCRAT BLM violence

@ReelPiscesPlays

8 ай бұрын

Thank you

@michaelcedeno391

8 ай бұрын

@ReelPiscesPlays you're welcome. Lol. I forgot about my long message. And you read it! Ha. And, looks like you're a Pisces just like me. Thank you for reading. Wow, that post was probably a long time ago.

It's interesting interview with Larry thanks Amala keep it up

Ultimately the discussion is how to create a more fair arrangement for the impoverished. I could empathise with the people who are poor feeling like they're a paycheque away from losing their home, thinking the system was unfairly targeting them. A better outcome for a family may just be to leave those cities as if you're low income you're still probably better off in a small town than concentrated with high crime and low options for identifying children with promise. In Australia we put a lot of universities in regional areas to keep them affordable and university degrees tend to focus on a subject area, we've only just started to get universities who think social engineering is appropriate, eg consent lessons and cultural sensitivity class. Maybe America needs more competition in the education space, eg programming/maths etc don't need a university

Awesome, thanks to both of you.

I'm in Montana but if I lived in Larry's backyard I would Vote for him!!! 🇺🇲🤘👽🤘🇺🇲 The government fears 😱 the internet because they can't stop us from talking to each other!!!

I LOVE THIS SO MUCH! I Never heard of him before. Great guest! Team Thomas Sowell!

Wonderful video!!! I'll be checking out more Larry Elder for sure!

Stating FACTS and LOGIC.

Love you Amala! I'm a new fan! I've loved Larry Elder for years! If only people would listen to Larry and yourself more! Keep making great videos like this and eventually the message will sink in!

The truly sad fact is that reason and knowledge are no longer revered and aspired to by so many in this country/world. They are now maligned as being a tool of the oppressor. Where is there to go but down if this is the case?

I remember listening to Amala when she was a leftist. Was at a rally she spoke at, the very same she uses as an example of what she was like before. Even for my more lefty brain, at the time (was a recovering leftist), what she was saying made me I'll. I'm glad she matured and opened her mind to something other than what is peddled by the mainstream.

Whats sad is people will watch this and still think its lies bc they refuse to do the research and learn for themselves

All Due Respect. Don't know about any kinda' age difference, but you two make an adorable couple! Well-spoken, critical thinkers just oozing with class. A Larry Elder fan from (Kcal 9 news at noon L.A.) some years ago. Really enjoyed this segment. You both give hope!😌

@phyliciawagner755

10 ай бұрын

She's in her 20's and he's in his 70's... he could be her grandfather

Great discussion. Larry never disappoints. On the systemic thing. I think the fatherlessness thing is huge. I think there is a conversation about that we need to have, and haven't had yet. "Dispensable" men decimated black America from the 1970s on. How much black on black crime and violence, homicide, brutality, plays itself out as proxy for the rage learned by fatherless black boys? And where is the leadership to finally address all this? I think it's partly politics, but I think it's also partly a gender thing. I think over the past 50 years a certain socio-political power spread has expanded and separated black men and women. We can look at almost any other ethnicity of minority, or marginalized, or impoverished people - and see that the achievement gap shrinks and that these communities thrive by comparison. Standing on a foundation of family values, and most important - intact families. There has to be a sea-change. The old culture isn't working. Not as it is. And we now have way too many white liberals who (whether they mean to or not) work hard at maintaining the power structures and controls they favor and support, that wind up keeping so many blacks "in their place." And we wonder, where is this real "systemic" racism everyone talks about? Well, it's a little embarrassing, isn't it? Hiding right under our noses, perpetrated by the hucksters who make a living off it. Many, many more white race hucksters making large money, benefits and job security, than blacks. That's a fact. Why should I be surprised? It's an entrepreneurial, free-enterprise, conglomerate industrial success story. It's what we do best. Better than solving a problem that, had we managed that back when Civil Rights Acts were first signed, would have had an entire ethnic 13% of America perched in the same per capita income ratios as most of the rest of the country. I get disgusted just thinking about how so many have a vested interest in NOT solving racism. And lord knows how many readers (no-one hardly ever reads what I write) would accuse me - of being racist. Funny thing about that. The actual criteria used, the definition, the meaning, the impact, the measurement, the consequence, plays out in ways that don't even seem to incorporate anymore, values, morals, judgements, compassion, forgiveness, and a bunch of good old American habits and attitudes that used to earn the respect they deserved. Because they worked. We got somewhere. Now it's like a wild weekend in Vegas, betting the house. Every weekend.

Thank you you make my day I love your Channel keep telling the truth stay strong God bless you

If Larry Elder had won the governorship I'd still be in California. I think that says it all.

PS. Larry.. loved this interview. There's so many people that feel isolated by both the left wing and right wing bigotry.. like a type of tribalism on both sides. This interview gave me faith that there are still people out there that just want fairness and want to act on facts: not special interest groups, not racism, not neo-Marxism, but what's fair and best for all of us in an open and just socieity.

@warnerchandler9826

Жыл бұрын

Can you provide examples of right wing tribalism and bigotry, please?

@antagonizingprotagonist8721

Жыл бұрын

​@@warnerchandler9826You can find comments in videos like this saying "white lives matter more" I think that's pretty bigoted.

@warnerchandler9826

Жыл бұрын

@@antagonizingprotagonist8721 I have never seen such, and I believe you are mischaracterizing the attitudes of conservatives. Most comments attempting to counter the leftist "slogan" black lives matter are along the lines of ALL lives matter. The right (conservatives) are not acting or speaking from their race, whatever it may be.

I think minimum wage is a form of systemic racism.

i'll probably watch this a couple times later this week. this was a good one!

I am looking for this guys scrolls since 20 years. Never imagined he looks so normal.

I'm 68 in Baltimore entire life. Raised in never home single mom family. As a teen loved library knocked dust off never used books.