The majority of borrowers are unaware that auto dealers have the discretion to increase their interest rate for compensation, but it's far too common. According to a recent survey, 68 percent of all consumers did not know that car dealers could increase the interest rate. Of borrowers of color, 75 percent were unaware.
The politics of respectability in the black community may not only hinder us from acting and engaging in the constructive protest, lobbying and collective action needed to create a more just society, as it has with respect to the Ferguson protests, but it may also prevent us from simply being and living freely.
I must be the most serene dude on the planet, because I swear to you that I have never hurled a racial invective at someone. No, not even when I was a kid. And no, not even when I was drunk. I'm not boasting, because it would be pretty sad if I wanted kudos just for avoiding hateful insults. To me, that should be basic behavior.
I am American. Some of my ancestors were born here and knew no other land, some of my ancestors journeyed here from Europe, and some of my ancestors were brought here from Africa. I don't know the complete stories of any of their lives, but I know their stories merge to create mine. One that is very specifically American.