Niggers' natural financial irresponsibility to pay higher bank fees mean banks racist

[Sandy]

A new survey from Bankrate shows that African-Americans, millennials, and Northeasterners pay more in banking fees than other segments of the population. Banking fees are defined as “nominal” fees paid by the consumer for services, maintenance, and upkeep of their bank accounts. Examples could include a fee to print a check, to open or have an account at a bank, or for wire transfers.


In its survey of over 2,600 adults, Bankrate found that white checking-account holders said they paid just $5 a month in bank fees. Those numbers more than double for black and Hispanic account holders.

Hispanics pay $16 a month in banking fees, while black customers paid $12 a month, Bankrate found. Those who identified as another race also paid more, at $8 a month for banking services. There was little difference between men and women.


The number of white adults who said they paid no fees was also much higher than that of African-Americans and Hispanics.

More than 75% of whites said they didn’t pay any banking fees in a typical month — compared to roughly 60% of Hispanics and 60% of blacks.


There are several reasons. The first is that minorities are frequently more often part of the underbanked population, meaning that while they have banking accounts, the financial services offered don’t always meet all their needs. This means they have to pay more for financial services that the fully banked can get for free or at a lower cost.

https://www.yahoo.com/finance/news/minorities-pay-more-to-bank-than-whites-report-161950159.html

So when Mrs. S and I pay zero fees to our bank and credit union, except for new paper checks (hardly ever used) and the rare cashier's check, we must be cashing in on our white privilege? Because we pay attention and make enough so we don't get hit with overdraft fees, it's racist when niggers are always overcharging and overdrawing? What bullshit, especially that part about "don't always meet all their needs." What could niggers "need" that others don't? Oh, that's right, "Ahz needs float dis check, kins you be heppin' meez?" "Dat booshit ahz kins write dat chick, it be Toosday, ahz gone habbs enuffs dollas nex Monsday wid muh weffare deposdit!"

Last night I saw a commercial that pissed me off. Brinks is offering a debit card, saying you can get your paychecks or government benefits "up to two days faster." Another way to get welfare, and a way to withdraw dollars that the government can't track?

[Odin's balls]

Strange that. I don't pay any banking fees at all.

My bank in England has a simple set of rules: Pay in your wages every month and have one direct debit on the account and its free. I also get free travel insurance thrown in.

I also have a Portuguese bank account and that is free, providing you have over a certain amount in the account.

Reading the paperwork that comes with the accounts, things start to get expensive when you have an 'unauthorised' overdraft, bounce direct debits (bills), bounce cheques, miss loan repayments or have a consistantly low balance which prevents savings arrangements being fulfilled.

That last sentence is going to apply 100% to niggers.

They can't budget, can't think more than ten seconds into the future and have no concept of delayed gratification.

[CreepyAssNigger]

MLK had a dream that one day its kin would be judged not by the color of their skin, but by the content of their characters.

And on this day, MLK Day, I say that niggers SHOULD be judged by the contents of their character.

[Ignatow]

MLK had a dream that one day its kin would be judged not by the color of their skin, but by the content of their characters.

And on this day, MLK Day, I say that niggers SHOULD be judged by the contents of their character.

However, all niggers have no character to speak of.

Dr. King my ass, a slick talking nigger whoremonger who deserves no such reverence. If it was true that blacks are our equals, then perhaps they'd be taken more seriously. But nature is nature. No amount of human compassion, intent, or guilt can ever the nigger animals into Homo sapiens.

[tweakstick]

MLK had a dream that one day its kin would be judged not by the color of their skin, but by the content of their characters.

And on this day, MLK Day, I say that niggers SHOULD be judged by the contents of their character.


The twisted thing is, the complete opposite of what he preached in that plagiarized speech has happened. I think he knew it would be and wanted it to as well.

Niggers can no longer be judged on the content of their overwhelmingly horrible character traits because: RAYCISS! They think we judge them because of color when in fact, it's just no different than judging whether you should stop at a red light based on color. The color is a warning that another car will likely hit you. Niggers colors are nature's warning signals at the intersections of life. They are there to warn you that a nigger will likely hit you. If you are color blind, you'd better learn which light is on top or they'll be scraping your ass off the pavement with a snow shovel to get it in the body bag. Signs have shapes, too, if you are colorblind. They teach shapes in kindergarten. Only niggers fail kindergarten so burners, cucks and enablers have no damn excuse.

Niggers now want to be judged SOLELY on the color of their skin. It is what gets them free gibs because if you don't, YOU IZ RAYCISS! It's what gets them out of trouble because if you judge them, RAYCISS! It's what gets them head of the line or RAYCISS! It's what gets them every preferential treatment available in any given circumstance because if it doesn't... YOU RRRAAAAYYYYYCCCIIISSSSSSS!!!!

[Sandy]

MLK had a dream that one day its kin would be judged not by the color of their skin, but by the content of their characters.

And on this day, MLK Day, I say that niggers SHOULD be judged by the contents of their character.

There's an old Chimper saying: if we judged them by the content of their character, they'd beg us to judge them by the color of their skin.

[MineEvolved]

Niggers pay higher interest rates because they will scrawl their signature on any document placed in front on them in order to get quick cash now, largely because they already know they aren't going to repay it even if it were lent to them at 2%. It's how we wound up with assloads of zero-down mortgages being foreclosed on during the last economic crisis.

This is the thing people just don't GET about niggers. They are nomadic/wandering creatures by nature. Eviction or foreclosure? They just move on. Repossession? Scrape up some down payment cash, and go hustle the next buy here pay here lot. Jail? No worries, they like the food, warm rent-free bed, and the down-low sex. Lack of any real roots, and lack of any desire to create some roots, has always been their problem. They don't invest in anything, least of all themselves. Places they've lived are just that, places they've lived. Not home. Just a location they occupied for a brief period of time, until their bad choices caught up with them and made them move on again. Even the white women they bed are just conveniences of the moment, interracial couples staying together into the golden years is as rare as an honest politician.

[Odin's balls]

Niggers pay higher interest rates because they will scrawl their signature on any document placed in front on them in order to get quick cash now, largely because they already know they aren't going to repay it even if it were lent to them at 2%. It's how we wound up with assloads of zero-down mortgages being foreclosed on during the last economic crisis.

This is the thing people just don't GET about niggers. They are nomadic/wandering creatures by nature. Eviction or foreclosure? They just move on. Repossession? Scrape up some down payment cash, and go hustle the next buy here pay here lot. Jail? No worries, they like the food, warm rent-free bed, and the down-low sex. Lack of any real roots, and lack of any desire to create some roots, has always been their problem. They don't invest in anything, least of all themselves. Places they've lived are just that, places they've lived. Not home. Just a location they occupied for a brief period of time, until their bad choices caught up with them and made them move on again. Even the white women they bed are just conveniences of the moment, interracial couples staying together into the golden years is as rare as an honest politician.

It is widely believed that niggers were the cause of the last recession.

Banks falling over themselves to loan niggers 125% mortgages (no deposit required) is where it started to go wrong. It spiralled out of control soon after.

[Whitey Ford]

It is widely believed that niggers were the cause of the last recession.

Banks falling over themselves to loan niggers 125% mortgages (no deposit required) is where it started to go wrong. It spiralled out of control soon after.

Yeah, banks were under pressure to give any dumb nigger that asked under the threat of being called raycisss! When they had a whole ton of these bad loans, they repackaged them into derivatives (https://www.investopedia.com/terms/d/derivative.asp) called collateralized debt obligations (https://www.investopedia.com/terms/c/cdo.asp) . Then, to insure these risky derivatives in case of default on payment, they bought credit default swaps (https://www.investopedia.com/terms/c/creditdefaultswap.asp). Then when the niggers and other loan holders didn't pay up, it caused this whole house of cards to come tumbling down. Then, the FDIC had to come in and recapitalize all these non-liquid banks.

Shitty laws like The Fair Housing Act & Disparate Impact Laws and rabble rousers like Wade Rathke's ACORN practically forced these banks into making these bad loans under the threat of being sued for being raycisssss. This is all part of the progressive 'Cloward-Piven' strategy.


The Cloward–Piven strategy is a political strategy outlined in 1966 by American sociologists and political activists Richard Cloward and Frances Fox Piven that called for overloading the U.S. public welfare system in order to precipitate a crisis that would lead to a replacement of the welfare system with "a guaranteed annual income and thus an end to poverty".[1]

https://en.wikipedia.org/wiki/Cloward%E2%80%93Piven_strategy