Statement From Baltimore Ravens:

**Ortizer** · 09-02-2020, 04:00 PM

Originally Posted by pickles

I'm saying people who are illiterate have bigger challenges to wealth building than access to capital.

Fair. From what I understand when you move past the former problem, people do have the latter problem in the inner city though.

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**Laxdad24** · 09-02-2020, 04:17 PM

Originally Posted by Ortizer

Fair. From what I understand when you move past the former problem, people do have the latter problem in the inner city though.

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Ort....you sign up for Fantasy?

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**pickles** · 09-02-2020, 06:23 PM

Originally Posted by Ortizer

Fair. From what I understand when you move past the former problem, people do have the latter problem in the inner city though.

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Well, why?

It's not because of the color of their skin.

**darb72** · 09-03-2020, 01:11 AM

Originally Posted by Ortizer

Fair. From what I understand when you move past the former problem, people do have the latter problem in the inner city though.

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I've used this example before because it fits when it comes to banks lending money for businesses.

There's a corner lot in front of our mall that cannot do business. Looking at that strip on that side of the road from left to right is a Texas Roadhouse (always packed), an cellphone store (Verizon maybe), Chick-fil-a (slammed), Starbucks (busy), some sort of chicken salad restaurant, an Olive Garden (smallest in the world, busy), then that corner lot. Across the road is a Dicks, Target, Game Stop, Zaxby's, cigar shop, 5 Below, Pet-Co, some sort of girly smell place, large electronics store. All of those places make money. They stay busy. That corner lot though will not support a business. I've lived here for 26 years and it's been three different restaurants, a plant nursery, and a small appliance repair store. Nothing in the last ten years. I asked my wife about it one day and she flat out said banks wouldn't lend money to anyone trying to open a business there unless they had an insane amount of collateral. Historically it is a money drain.
Understand that this is in a booming part of a relatively wealthy town.

**blah3** · 09-03-2020, 08:11 AM

Originally Posted by darb72

I've used this example before because it fits when it comes to banks lending money for businesses.

There's a corner lot in front of our mall that cannot do business. Looking at that strip on that side of the road from left to right is a Texas Roadhouse (always packed), an cellphone store (Verizon maybe), Chick-fil-a (slammed), Starbucks (busy), some sort of chicken salad restaurant, an Olive Garden (smallest in the world, busy), then that corner lot. Across the road is a Dicks, Target, Game Stop, Zaxby's, cigar shop, 5 Below, Pet-Co, some sort of girly smell place, large electronics store. All of those places make money. They stay busy. That corner lot though will not support a business. I've lived here for 26 years and it's been three different restaurants, a plant nursery, and a small appliance repair store. Nothing in the last ten years. I asked my wife about it one day and she flat out said banks wouldn't lend money to anyone trying to open a business there unless they had an insane amount of collateral. Historically it is a money drain.
Understand that this is in a booming part of a relatively wealthy town.

Wait the bank won’t lend money to a place that won’t make money and not retain value???? Those redlining racists!

**Ortizer** · 09-05-2020, 10:25 PM

Originally Posted by Laxdad24

Ort....you sign up for Fantasy?

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I not only signed up, but then learned what I was doing well after overpaying for Kamara!

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**Ortizer** · 09-05-2020, 10:27 PM

Originally Posted by darb72

I've used this example before because it fits when it comes to banks lending money for businesses.

There's a corner lot in front of our mall that cannot do business. Looking at that strip on that side of the road from left to right is a Texas Roadhouse (always packed), an cellphone store (Verizon maybe), Chick-fil-a (slammed), Starbucks (busy), some sort of chicken salad restaurant, an Olive Garden (smallest in the world, busy), then that corner lot. Across the road is a Dicks, Target, Game Stop, Zaxby's, cigar shop, 5 Below, Pet-Co, some sort of girly smell place, large electronics store. All of those places make money. They stay busy. That corner lot though will not support a business. I've lived here for 26 years and it's been three different restaurants, a plant nursery, and a small appliance repair store. Nothing in the last ten years. I asked my wife about it one day and she flat out said banks wouldn't lend money to anyone trying to open a business there unless they had an insane amount of collateral. Historically it is a money drain.
Understand that this is in a booming part of a relatively wealthy town.

I could see that honestly. The spot across from my office seems to be like that. In 6 years, have definitely seen a few restaurants come and go there.

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