Social Contract

1. Social Contract How Latinos and Blacks make successfully in U.S.?

2. Social Historical Empirical Work Main argument: • Cities are more segregated now than years ago. • People live racially apart more now then before. • It was constructed this way by: Government and Businesses (It was purposely built this way)

3. How is self-worth sense built out of place? • Government funded whites and excluded blacks. • Many suburbs were built out of racist not fair deals.

4. There is a need to deconstruct • the idea that people of color are lazy. • There is need to deconstruct non-accurate sense of reality.

5. In the 1900’s Restrictive covenants stated in mortgage contracts that buyers couldn’t sell the property to certain people (specifically excluding people of color) = racially discriminatory. It was legal until 40 yrs ago, but in a hidden way until today.

6. Block busting • Played on white fear, start a rumor that blacks are moving in. • By saying that “Black men were raping white women” to have whites move out to then sell property to Blacks and Latinos for higher prices.

7. Government backs up loans through F.H.A. (Federal Housing Authority) to revive the economy, to change how mortgage was done. But government directions said clearly who would qualify for the loans —again excluding Blacks, Mexicans… between yrs. 1940’ to 60’s.

8. Red lining • Mortgage Insurance - draw map of city with a red pencil, where Blacks and Latinos live to make sure they would not get insurance, 1930’s to 60’s. • Whites got all these loans, moved to suburbs —it was 95% white.

9. So Forces not coincidences created a reality through Government Policies Things that have happened since slavery benefited whites des-privileging people of color.

10. 1974 -Fair Housing Act passed (Influence of Civil rights movement) It said that policies couldn’t discriminate and it reverted the Red Lining and gave more $ to people on Red lining

11. But people there had their houses already falling apart, since they couldn’t restore their houses. • Loans were given without down payment, but evidently it asked for higher monthly payments.

12. (1970’s)-- Unemployment raised • Evidently Blacks were the first to be unemployed. • So consequently they ended up defaulting the loans. • What happens to property when it is defaulted and it is federal government insured?

13. Blacks had their credit ruined • Banks took back property for free. • Bank redeveloped it by hiring arsonists to burn the brick buildings and since it was insured banks would get free remodeling and then would sell to wealthy whites with high prices.

14. CONCLUSION: There is a call here to humbleness from white folks. Whites need to know that they didn’t get houses out of fair deals and hard work per say only.

15. Jonathan KOZOL in Savage Inequalities Depending on where people live tax to schooling change. In L.A., poor areas they would pay 3,000 for student and In Beverly Hills 13,000 per student.

16. People of color need to feel the good anger and know they are not lazy, or stupid, but that oppression were done to them. Sense of Self

17. People need to know how events came to be or were constructed before internalizing beliefs about different groups’ sense of place. Who worked harder, who cheated? How wealth was constructed?

18. When people say Blacks need to get over the tendency to blame white people for their own problems, people need to understand that in reality whites continued to have advantages over people of color since slavery ended.

19. People need to understand why poor areas exist and how it came to be this way.

20. People need to realize how whites got there, it was not necessarily because they were good people and the others were not.

21. There is a need to change ground levels and beliefs underneath people of light skin color feet.