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HUD Secretary Marcia Fudge Says Biased Home Appraisal Problem Is Systemic

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Housing and Urban Development (HUD) Secretary Marcia Fudge appeared on CNN’s Tonight show (08/22/22) to address recent media reports that show significant appraisal disparities between homes owned by people of color, as opposed to those owned by Whites. Secretary Fudge told CNN host Laura Coates that the appraisal problem, which was initially relegated to homes in redlined districts, is now “systemic, and intentional to some degree.”

The latest example which has stunned many, involves two Black Johns Hopkins University professors, Nathan Connolly and Shani Mott, who live in an affluent Maryland neighborhood. The Black couple’s home was initially appraised at $472,000, but after they “whitewashed” their home and let their White friend pose as the home owner, their house was appraised at a staggering $950,000, almost double the initial value.

Asked for her response to the outrageous Maryland incident, Secretary Fudge said(2:23): “I think professionally and personally, it is an absolute violation of the law. It is a violation of the fair housing law, it is a violation of the lending law, so what HUD is doing, and what we have done already is, we were tasked by the president to look at appraisal bias, because what we know is that it used to be that these things happened only in redlined communities, but now it is pervasive. It is happening everywhere, and we determined that part of the problem was how appraisers are trained, who is in the appraisal industry, and how they are governed, and so what we did in March was to present a report that showed how deeply this whole bias situation is across this country. It is systemic, and it is intentional to some degree…What we’ve already done is have the appraisal sub committee say to every single state in this country, the test that you use is no longer valid because it is a violation of the fair housing law.”

Secretary Fudge clarified her remarks regarding the test saying she was referring to the test to become an appraiser, adding(3:53), “What we have looked at is how data is collected. That’s part of the problem, it’s the data. So they collect data, and the data is not what it should be, they then use the data in a way that it should not be used, and so they come up with these biased appraisals. But as well, when you look at an industry that is more than 95% White, you find that people of color are treated differently because there is an inherent bias with a lot of them, and because they collect the data, the data is not good data.”

Secretary Fudge also made a startling acknowledgement regarding HUD, saying no previous administration has ever attempted to address the home appraisal bias problem, which is now evidently systemic. She said(5:05): “It has not happened before. This is the first of it’s kind report, this is the first if it’s kind subcommittee. It’s called Property Appraisal Valuation Equity. What the president has said is that we have to look at everything through a lens of equity. What we have realized is that people selling homes, just as the persons you were talking about, and even people buying homes, if their appraisal is not correct, what we find, especially as Black people and communities of color and underserved communities, is we lose great wealth just through the appraisal process. If those homes are appraised the way that they should be, then we look at being able to pass down significantly more resources and more wealth to generations that follow. But if we are constantly undervaluing communities of color, either because they are communities of color, or that the person themselves is in a community that they don’t think that we should be in, then we consistently lose wealth in our communities, and that’s why this is so important from an equity situation.”

Secretary Fudge concluded with her personal home appraisal story, telling host Coates that her house , which is in a Black community, is literally two doors away from an all-White community. She has a bigger lot size and house than the one two doors away from her, yet her house is valued at $25,000 less than that house in the White community.

Bottom line folks, the problem of biased home appraisals is a major one, and needs to be confronted head on. As Secretary Fudge correctly pointed out on CNN, “If those homes are appraised the way that they should be, then we look at being able to pass down significantly more resources and more wealth to generations that follow.” This issue is especially important to communities of color.

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The Best Definition Of A Targeted Individual aka TI

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In the growing national debate about Havana Syndrome/directed energy weapons(DEW), you are increasingly hearing complaints of similar attacks from regular civilians (not govt employees)—the so-called targeted individuals(TIs)

The problem is that there are so many batshit stories on the internet re targeted individuals, most of them purposefully posted by the perpetrators, to make the average observer dismiss genuine TIs as fringe conspiracy theorists. It is therefore quite important that Yours Truly, a gentleman and a scholar, set the record straight as to what I am referring to when I talk about TIs.

The best definition yet, of a targeted individual(imho), is this one by Thomas Marshall, delivered more than a decade ago. It captures all the essential elements—Intel agencies, counterinsurgency/counterterrorism, and the crucial fact that the targets are almost always innocent dissidents, persecuted for their speech/activism—political, whistleblower, etc. Basically, people the government sets out to destroy/kill because they engage in speech/activism the government doesn’t want/like.

Below is an excerpt from Thomas Marshall’s presentation titled “The Theory of Electronic Harassment and Organized Gang Stalking”: “The U.S. intelligence agencies, in conjunction with DARPA, Stanford Research Institute Los Alamos National Laboratory, and companies like Raytheon and Lockheed, have set up a counterinsurgency war that is taking place on a worldwide basis, aimed at potential enemies such as political activists and whistleblowers. These targets are generally people with a very high IQ, who are capable of influencing the people around them, as well as having a history of political activism.” 

“This counterinsurgency war that is being waged against these individuals, is portrayed as a type of a stalking game, the most dangerous game, perhaps called “watch him run”, or some such game that is taking place on the internet, so that people can observe the targets using DARPA-created tracking technology, GPS technology and RFID, that follows the target everywhere they go, in their home, their car, their place of work, or even in cross-continental travel, anywhere on the surface of the earth. There is nowhere that targets can escape this game–the stalking game.” 

“These people who are being tormented, have been portrayed as criminals, however the opposite is the case. The targets of torture and intimidation and destruction, are the good guys. This tracking game relies on attacks using microwave weapons, as well as organized stalking, to make the life of the target a living hell, to where they eventually succumb physically and die from the effects of non-ionizing radiation, or due to the extensive, and never-ending torture, they are forced to commit suicide.” 

“The target experiences physical attacks on their body. Microwave weapons are placed in close proximity to where they live and where they work, and are even placed in their cars, if necessary. These miniaturized electronic devices, in essence, antennas, are capable of tracking and attacking the target with microwave frequency that can deliver shocks, stabs, or sub-dermal burns to their physical bodies in a continuous manner, or perhaps every few minutes. Their body experiences internal heating and burns, sleep disruption, sleep deprivation, as a primary tactic to slowly break them down. These types of physical attacks are complimented with attacks on the mind of the subject. Dr Jose Delgado perfected the use of a brain-to-computer-to-brain feedback loop, so that he was able to give a continuous stimulus and response time signal to his patients. This is exactly what is used to attack the target…”


For the record, any time you hear Yours Truly refer to targeted individuals, always know that I am referring to the Thomas Marshall theory. And folks, it is as real as a heart attack.

Bottom line folks, crimes against humanity like these, have zero place in “free”, “civilized” societies. Zero!!

For those of you out there (a MUST for TIs), interested in a REAL targeted individual case currently playing out in Houston, Texas, you can keep up with its latest developments via this link

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Pressure Mounting On GOP Senator Mike Lee To Come Clean Over His Role In Overturning 2020 Election

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Interesting segment on MSNBC’s Rachel Maddow show(04/19/22) looked into the intense pressure building on Senator Mike Lee(R-UT) from his hometown newspapers, for him to come clean over his involvement with efforts to assist former President Trump to overturn the 2020 elections, and specifically, his role in the fake electors scheme. As Maddow correctly pointed out, public statements attributed to Sen Lee regarding Trump’s efforts to overturn the 2020 elections are in stark contrast with his newly released private text messages, which clearly show his deep involvement with the fake electors scheme.

It appears Sen Lee’s hometown newspapers have seized on this glaring discrepancy between public “constitutional conservative” Mike Lee, and private insurrectionist Mike Lee, and are demanding that the Senator finally come clean about his involvement with Trump’s efforts to overturn the 2020 elections. The newspapers have zeroed in on the Utah State Republican Convention scheduled for Saturday(04/23/22, for Sen Lee to finally come clean about this issue.

Maddow referenced an editorial from a leading Utah newspaper(video at 4:15): “Just today, the Salt Lake Tribune has released a new editorial under this headline, Saturday’s Utah State Republican Convention would be a great place for Mike Lee to come clean…It’s past time for Mike Lee to start fessing up to all he knows about the plot to set aside the results of an honest and fair election in order to keep Donald Trump in power. We know Utah’s Senior Senator had a much greater role in that plot than he has previously acknowledged. His constituents deserve a much more detailed accounting of what went on and the extent of Senator Lee’s participation in it. Yesterday would be a great time for Senator Lee to come clean. Saturday’s State Republican Convention would be a really good opportunity for that too.”

Bottom line folks, it is very encouraging to see the media in Utah pressuring Senator Lee to come clean about his involvement with Trump’s efforts to overturn the 2020 election. To date, there has been been very little individual accountability for members of Congress who were clearly involved in Trump’s illegal efforts to overturn the 2020 elections and hopefully, this is the beginning of some much overdue reckoning for members of Congress. It would be great if Texas newspapers would also inquire into whether public “constitutional conservative” Ted Cruz was likewise, a private insurrectionist.

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