Free kindle book and epub digitized and proofread by Project Gutenberg. Taking Chances by Clarence Louis Cullen. No cover available. Taking Chances - Download as PDF File .pdf), Text File .txt) or read online. PDF | Four studies examine the hypothesis that goals adopted by high and low self-esteem people (HSEs and LSEs) to manage risk in romantic relationships.
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Taking Chances: Winning with Probability cover title: author: publisher: isbn10 | asin: print isbn ebook isbn language: subject publication date: lcc: ddc. covertitle: author: publisher: isbn10 | asin: print isbn ebook isbn language: subject Taking Chances Winning with Probability John Haigh Reader in. Spice-o-meter Rating: This fun romance is a solid , maybe an 8, on a scale of 1 to 10, with 1 being mild (Grandma's diary – let's hope!) and 10 being Ooh La.
By By Lt. Michael R. Strobl U. Marine Lt. Michael Strobl, outside the gates of the Marine base at Quantico, Va. Eight days later, I handed the medallion to his mother. I didn't know Chance before he died.
In a contract sale, the seller kept the deed until the contract was paid in full—and, unlike with a normal mortgage, Ross would acquire no equity in the meantime. The men who peddled contracts in North Lawndale would sell homes at inflated prices and then evict families who could not pay—taking their down payment and their monthly installments as profit.
The truth was that there was no financing for people like Clyde Ross. From the s through the s, black people across the country were largely cut out of the legitimate home-mortgage market through means both legal and extralegal. Their efforts were buttressed by the federal government.
In , Congress created the Federal Housing Administration. The FHA insured private mortgages, causing a drop in interest rates and a decline in the size of the down payment required to download a house.
But an insured mortgage was not a possibility for Clyde Ross. The FHA had adopted a system of maps that rated neighborhoods according to their perceived stability. They were colored in red. Neither the percentage of black people living there nor their social class mattered. Black people were viewed as a contagion.
Redlining went beyond FHA-backed loans and spread to the entire mortgage industry, which was already rife with racism, excluding black people from most legitimate means of obtaining a mortgage. Oliver and Thomas M. In Chicago and across the country, whites looking to achieve the American dream could rely on a legitimate credit system backed by the government. Blacks were herded into the sights of unscrupulous lenders who took them for money and for sport.
During this period, according to one estimate, 85 percent of all black home downloaders who bought in Chicago bought on contract. North Lawndale became a ghetto. Clyde Ross still lives there. He still owns his home. He is 91, and the emblems of survival are all around him—awards for service in his community, pictures of his children in cap and gown.
But when I asked him about his home in North Lawndale, I heard only anarchy. He was sitting at his dining-room table. His glasses were as thick as his Clarksdale drawl. So how dumb am I? I just left this mess. I just left no laws. And no regard. And then I come here and get cheated wide open. You could fall through the cracks easy fighting these white people.
And no law. But fight Clyde Ross did. Contract sellers used every tool at their disposal to pilfer from their clients. They scared white residents into selling low. They presented themselves as real-estate brokers, when in fact they were the owners. They guided their clients to lawyers who were in on the scheme.
The Contract downloaders League fought back. They refused to pay their installments, instead holding monthly payments in an escrow account.
They were no longer fleeing in hopes of a better deal elsewhere. They were charging society with a crime against their community. They wanted the crime publicly ruled as such. And they wanted restitution for the great injury brought upon them by said offenders. In , Clyde Ross and the Contract downloaders League were no longer simply seeking the protection of the law. They were seeking reparations. In its population was , Today it is 36, The neighborhood is 92 percent black.
Its homicide rate is 45 per ,—triple the rate of the city as a whole. The infant-mortality rate is 14 per 1,—more than twice the national average. Forty-five percent of all households are on food stamps—nearly three times the rate of the city at large. Sears, Roebuck left the neighborhood in , taking 1, jobs with it. North Lawndale is an extreme portrait of the trends that ail black Chicago.
Such is the magnitude of these ailments that it can be said that blacks and whites do not inhabit the same city. When the Harvard sociologist Robert J. Sampson examined incarceration rates in Chicago in his book, Great American City, he found that a black neighborhood with one of the highest incarceration rates West Garfield Park had a rate more than 40 times as high as the white neighborhood with the highest rate Clearing.
The humiliation of Whites Only signs are gone. Rates of black poverty have decreased. Black teen-pregnancy rates are at record lows—and the gap between black and white teen-pregnancy rates has shrunk significantly. But such progress rests on a shaky foundation, and fault lines are everywhere. The income gap between black and white households is roughly the same today as it was in Patrick Sharkey, a sociologist at New York University, studied children born from through and found that 4 percent of whites and 62 percent of blacks across America had been raised in poor neighborhoods.
A generation later, the same study showed, virtually nothing had changed.
And whereas whites born into affluent neighborhoods tended to remain in affluent neighborhoods, blacks tended to fall out of them. This is not surprising.
Black families, regardless of income, are significantly less wealthy than white families.
The Pew Research Center estimates that white households are worth roughly 20 times as much as black households, and that whereas only 15 percent of whites have zero or negative wealth, more than a third of blacks do. Effectively, the black family in America is working without a safety net. When financial calamity strikes—a medical emergency, divorce, job loss—the fall is precipitous. And just as black families of all incomes remain handicapped by a lack of wealth, so too do they remain handicapped by their restricted choice of neighborhood.
Black people with upper-middle-class incomes do not generally live in upper-middle-class neighborhoods. As a rule, poor black people do not work their way out of the ghetto—and those who do often face the horror of watching their children and grandchildren tumble back. Even seeming evidence of progress withers under harsh light.
In , the Manhattan Institute cheerily noted that segregation had declined since the s. And yet African Americans still remained—by far—the most segregated ethnic group in the country. With segregation, with the isolation of the injured and the robbed, comes the concentration of disadvantage.
An unsegregated America might see poverty, and all its effects, spread across the country with no particular bias toward skin color. Instead, the concentration of poverty has been paired with a concentration of melanin. The resulting conflagration has been devastating. One thread of thinking in the African American community holds that these depressing numbers partially stem from cultural pathologies that can be altered through individual grit and exceptionally good behavior.
It is also wrong. The kind of trenchant racism to which black people have persistently been subjected can never be defeated by making its victims more respectable. The essence of American racism is disrespect. And in the wake of the grim numbers, we see the grim inheritance. The suit dragged on until , when the league lost a jury trial. Securing the equal protection of the law proved hard; securing reparations proved impossible. Board of Education and all that nonsense.
The Supreme Court seems to share that sentiment. The past two decades have witnessed a rollback of the progressive legislation of the s. Liberals have found themselves on the defensive. In , when Barack Obama was a candidate for president, he was asked whether his daughters—Malia and Sasha—should benefit from affirmative action. He answered in the negative. The exchange rested upon an erroneous comparison of the average American white family and the exceptional first family. In the contest of upward mobility, Barack and Michelle Obama have won.
But that comparison is incomplete.
The more telling question is how they compare with Jenna and Barbara Bush—the products of many generations of privilege, not just one. Belinda had been born in modern-day Ghana. She was kidnapped as a child and sold into slavery.
She endured the Middle Passage and 50 years of enslavement at the hands of Isaac Royall and his son. But the junior Royall, a British loyalist, fled the country during the Revolution.
Belinda, now free after half a century of labor, beseeched the nascent Massachusetts legislature: The face of your Petitioner, is now marked with the furrows of time, and her frame bending under the oppression of years, while she, by the Laws of the Land, is denied the employment of one morsel of that immense wealth, apart whereof hath been accumilated by her own industry, and the whole augmented by her servitude.
WHEREFORE, casting herself at your feet if your honours, as to a body of men, formed for the extirpation of vassalage, for the reward of Virtue, and the just return of honest industry—she prays, that such allowance may be made her out of the Estate of Colonel Royall, as will prevent her, and her more infirm daughter, from misery in the greatest extreme, and scatter comfort over the short and downward path of their lives.
Belinda Royall was granted a pension of 15 pounds and 12 shillings, to be paid out of the estate of Isaac Royall—one of the earliest successful attempts to petition for reparations. At the time, black people in America had endured more than years of enslavement, and the idea that they might be owed something in return was, if not the national consensus, at least not outrageous.
Click the image above to view the full document. Finkenbine has documented, at the dawn of this country, black reparations were actively considered and often effected. Charles J. Ogletree Jr. But while the people advocating reparations have changed over time, the response from the country has remained virtually the same. Having been enslaved for years, black people were not left to their own devices.
They were terrorized. In the Deep South, a second slavery ruled. In the North, legislatures, mayors, civic associations, banks, and citizens all colluded to pin black people into ghettos, where they were overcrowded, overcharged, and undereducated.
Businesses discriminated against them, awarding them the worst jobs and the worst wages. Police brutalized them in the streets. And the notion that black lives, black bodies, and black wealth were rightful targets remained deeply rooted in the broader society. It is as though we have run up a credit-card bill and, having pledged to charge no more, remain befuddled that the balance does not disappear.
The effects of that balance, interest accruing daily, are all around us. Br J Addict. Pathological gambling among methadone patients. Drug Alcohol Depend. Affective disorders among pathological gamblers seeking treatment. Am J Psychiatry. The incidence of pathological gambling among Native Americans treated for alcohol dependence.
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Prevalence of pathological gambling and related problems among college students in the Quebec metropolitan area.