We must talk

wow molymeme is about to be banned off the internet like Alex jones was.

wow molyneux is shitting on everyone who has ever defended him publicly. not only is this take stupidly reductionist, it's unnecessary. why would he choose this of all topics to start HBD talk on? it's hardly relevant anymore.

once we have the wall and the RAISE Act and no birthright citizenship, then we can talk about racial IQ differences. until then, shut the fuck up.

I don't care about his transformation I'm just saying on this he's wrong.

Dems are da real racis!

It is a factor. When every Jamal and Juan start pulling out $500k-$1m loans easily of course house prices start to skyrocket. It's definitely not the cause but it's a factor. Houses and properties should not be sold without 50% value of home in equity. 25% down payment should be required.
It'll bring down prices and taxes.

He's on target but not bullseye.

It's hard to go from having everything handed to you and being forced to work for generations to getting up everyday without someone kicking you in the ass and being responsible for paying your bills on time.

Ayy he's going to get banned from all platforms.

Haha what a kike!

It wasn’t Shlomo’s bank at fault! It was this stupid nigger Tyrone that agreed to take the loan.

Fuck this kike.

The same could be said about student loans.

Stefan is going all out

Blaming Jewish scams on SJWs and stupid niggers is very low even for a kike like Stefan.

>he's wrong
not necessarily. i don't believe it was the underlying cause but it did play a part. fun fact, the housing crisis was Chinese payback for what the US did in Asia back in 1998 particularly in Indonesia; the U.S pumped and dumped these economies and bailed themselves out and ran. that money the US banks and mortgage brokers were desperate to offload at interest came from China. regardless, i would really like to see hard data on racial disparity on defaulters in the US. furthermore there is a massive racial component to how different European countries found themselves victims of the housing crisis based purely on how different cultures treat risk. for example, the bankers in Iceland were former fisherman and fishing that far north is dangerous as hell and only the daring get rich. In Greece, the total incompetence of bureaucracy was their undoing, everybody everywhere knew this. In Ireland, the lenders and borrowers were plagued by the one thing the Irish craved; hope. the crash littered the Irish countryside with half built developments for and by people who wanted to shake off a historical stereotype as renters. even more damning and ironic is that the Germans in particular spearheaded the economic destruction across Europe by having bankers who were gullible enough to be tricked by Jews working at Goldman Sachs. Kek. proving that Jow Forums is always right.

You fags said the same about JBP at the start and he only got worse over time.

Nah dawg, you need the medicne

youtube.com/watch?v=hRMgH9p-1So

>banks made trillions giving loans to spics and niggers
>go bust
>banks made trillions via taxpayer bailout
Does he really not think bankers were complicit and “in” on it? Jesus, what a dull fuck

It's crazy how Jow Forums can fawn upon any dumbass as long as the guy says what they want to hear.

>It wasn't just the government, it was "community organisers" and activists as well who basically blackmailed banks into giving out risky loans.

And why do think they did this? George W. Bush wanted beaner votes and they opened up the flood gates via backing loans AND making diversity points (this is a real things if you want expand you business in the financial sector, like open new branches of a bank) contingent on giving out said loans.

Freddy and Fanny basically backed lending institutions in giving out loans to people with no credit and bad credit. Still not enough non-Whites could get loans so they pressured lenders to drop credit checks, requirements for down payments and even requirements for employment. They even went to far as to allow welfare payments to be counted as income from employment.

One more thing about diversity points. The way they work is that government approved minority owned companies come in and certify other companies as "diverse" which earns them actual points. Enough points gets you certain types of certifications with allow you to get past city councils and their approval process for licenses to build in all major cities in the US. Without enough points you wont qualify to open new locations. This goes on in LA to Boise. It's everywhere.

To get these points towards certification you have to jump through diversity hoops like hiring a certain amount of non-Whites, non-Whites as management and best of all, for the most points, minority ownership. Also diversity classes, White privilege classes all get you more fucking points.

Unfortunately, faggots have to take red pills as suppositories.

TL;DR the federal government forced banks to give out AFFIRMATIVE ACTION LOANS to minorities for houses.

Here is a pretty damn good presentation about the housing market (((scam))) that directly caused the 2008 financial crash:
youtube.com/watch?v=8Nbvd3FOLUA

supplemental, shorter clips from mainstream media:

Summarizing CRA and the Banking Crisis
youtube.com/watch?v=t6fd14nQS00

Racializing The Clinton Affordable Housing Programs and Fannie Mae
youtube.com/watch?v=piZKXZ3dHqU

CRA - Affirmative Lending (Affirmative Action From Banks To Minorities)
youtube.com/watch?v=uhlopJZBTCI

Mel Martinez - The GOP and Hispanic Dynamics
youtube.com/watch?v=4ppn8uz4igk

Clinton Brags About Affirmative Action Housing Skyrocketing Under Him
youtube.com/watch?v=cCjlbxH1T_Y

it was a coordinated effort. It WAS the government, it was the regulators who enabled this entire scam. They regulators were the ones responding to the community groups and dealing out consequences to the banks.
IT WAS ENTIRELY THE FUCKING GOVERNMENT
I would shoot you in the fucking head you braindead sack of shit.

>I don't believe
what a strong argument

it's plain old 100% fucking true
The amount of cash involved is indeniable.
Over a trillion motherfucking dollars loaned out to worthless subhumans based on their race.

holy SHIT what the FUCK is going on here?
Jow Forums is flooded with absolute fucking retards.
They seem to be aware of issues that no one THAT retarded would take interest in at all let alone understand.
So they gotta be shills/bots.

>Listening Destiny "Let's just have another Iraq War in Mexico to we can continue feeding the jews" Faggatron
>Listening Destiny "Let's make state sanction child porn to stop pedophiles" Faggatron
kys

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...

so hes blaming impoverished black people for taking out predatory bank loans because of low iq

g-guys the wealthy kike bank owners are the real victims!

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Yet again Stefan says something completely fucking retarded that isn't substantiated by actual history. The housing bubble was the result of a combination of factors, including the Federal Reserve's legalized counterfeiting racket, Freddie Mac and Fannie Mae (which should never have existed), the allowance of banks and other financial institutions to incorporate without consequence and dump their losses to the shareholders, changes in government policies wrt financial institutions, and so on. It was also being used as a band-aid to cover up the crash of the previous dotcom bubble, which had serious negative economic consequences that nobody talks about even to this day.

Yes, niggers got loans they didn't deserve to buy shit hole McMansions that never should have been built, but that was just a surface level symptom of a much deeper and more evil and much older scheme.

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100% true. Clinton initiative. Thank you molymeme for bringing this up

what the fuck is this

this faggot streamer makes absolutely no point
and obnoxiously can't even focus on what he's doing, playing the worst fucking video "game" of all time

there was no error in bald meme man's writing.

Nope. It was a factor.

The other factor was retarded bankers buying millions of these loans, rolled up.

Let’s not be disingenuous here, Molyneux is dishonest but not dumb, it’s more a case of Molyneux thinking he is too smart to check his book for mistakes before publishing it than Molyneux not getting basic logic.

no Stephan, you must talk. And everyone else must listen to your bullshit while you make money on your YouTube channel.

You need to read more on the subject. It was a direct federal government initiative.

Theres blame all along the line, from the investment bankers down to the mortgage borrower.

>Yes, niggers got loans they didn't deserve to buy shit hole McMansions that never should have been built, but that was just a surface level symptom of a much deeper and more evil and much older scheme.
>Stefan says something completely fucking retarded
pick one kike shill

he brings up the fact that minorities are literally retarded and also that the housing crisis was caused by affirmative action

he's pulling weight, you're nitpicking at NOTHING

Neither of those things are coming.

No.

He's saying nigger lovers in congress forced banks to give mortgages to "risky borrowers" IE niggers and that when the economy shit itself, the resulting housing bubble multiplied what should have been an simple economic slowdown into damned near Great Depression 2.0.

Thank you for this post.

HOWEVER, dont forget the hedge funds. They bought millions of these piece of shit loans of their own volition, at 20x leverage.

Frankly, it's close to the truth. The fact that the credit rating agencies did a bad job rating CDO's and the fact that investment banks made what they considered geographically diversified CDO's was essentially a failure on their part due to them trusting that mortgages weren't being given out willy-nilly. This was true until happened.

the managers fucking knew EXACTLY what they were doing and they never could have done it without the substrate: the affirmative action loans

they were paid percentages of the 'value' of the loans

So he's wrong?

>Jow Forums is flooded with absolute fucking retards.
that's what happens when Jow Forums fella goes MSM

Last I checked no one asked me or him or any of us our opinions. The government does whatever the fuck it’s going to and there’s no way their advisors and lobbyists didn’t tell them it would cause a problem. The real issue is democracy has already ended and leadership is trying to destroy us.

Lmao blaming Poors instead of the wall st banks that got bailed out by those same poors is absolutely pants on head retarded.

These are not mistakes that someone who studied philosophy would make. He not only showed he knows little about actual philosophy, he exposed the sloppiness of his own thinking.

He is showing how Molymeme claims to be a philosopher but doesn't understand basic philosophy.

>He is showing how Molymeme claims to be a philosopher but doesn't understand basic philosophy.
no he doesn't you fucking braindead NPC

retard dota streamer didn't identify an inconsistency

Yes, blame low IQ niggers for taking loans from kike bankers who are enriching themselves by destroying the economy. Given all the stupid shit Stefan has said I seriously doubt he's ever bothered to read an actual book on economics. It's like his primary source for everything is fucking Ayn Rand. He's just another shit tier e-celeb on his way down the drain.

Nassim Taleb is right about IQ

twitter.com/nntaleb/status/1076845397795065856

He's right. its all white people fault.

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where in his post did he blame the niggers?
you're asserting that he did, but there's no evidence

his post doesn't say that, you have no reason for what you're saying

you are a fucking kike

literally caused by Bill Clinton
The Housing and Community Development Act of 1992 mandated that 30% or more of Freddie Mack and Fannie May's loan purchases were from borrowers who didn't meet standard requirements.

repeal of the Glass Steagall Act. financial banking and investment banking used to be seperate but after Glass Steagall was repealed the two became one.

so create a condition were people with shit credit can take out massive mortgages. wow housing boom, fueling growth but liberals forgot people have bad credit for a reason.
people began to default on the loans because it never stuck them that you can't afford a 250k home on 10.50 an hour. banks would never have offered these loans but being forced to do so they did.

it may have worked if they only gave out loans for houses people could actually afford but the easy access to loans made every shitskin go nigger rich overnight

Yes he does. That is the point of his whole show.

Someone who doesn't understand philosophy 101 has no business writing a book on philosophy or portraying themselves as an authority on it.

he doesn't support his claim that IQ survey data can't be processed into a measure of intellectual ability
he implies that it is junk data, when it clearly isn't by many obvious judgements, like the correlation of IQ score to race dominance in geopolitics. It's not a coincidence that most ethnic groups of niggers in africa score very low and haven't built competitive civilizations at any point.
just because it isn't what it's hyped up to be doesn't mean it isn't valuable.

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no he fucking doesn't.
He does exactly what he accuses bald tweeter of doing.
He doesn't decisively explain the error, either in the example or in the presentation of the example.

the examples given in bald man's book are perfectly analogous. The only thing changed are the names of the variables in the system.
Like seriously, that streamer, and YOU, are fucking literally retarded.
go play dota you nigger animal

>just because it isn't what it's hyped up to be doesn't mean it isn't valuable.

LOL Retards like you who don't get how data works caused the housing crash, not "refusing to talk about racial IQ differences"

You don't need a pseudoscience like IQ to know blacks are dumber than whites.

I love this guy. He's riding a wave, and he wants to be at the very crest of it.

If you are intelligent you know that (((they))) pushed Bush to let them lend money to minorities because they needed to lend money (complicated financial stuff) to maintain Globohomo-gayplex. So Molyneux, as always, does half the job and doesn't adress the jews. Because Wall Street is a jewish entity

Keep your eyes off the (((banks))). Its not their fault they took a risk!

yes, Why doesn't Molyneux adress it ? I fucking hate him, he's an intellectual coward who tried to play the "Tell the truth !" guy

>You don't need a pseudoscience like IQ to know blacks are dumber than whites.
it tells you a lot more than that

guess what? those fucking office jobs are vital to human productivity under any economic model.
People who come from intelligent ethnic groups / cultural strata have certain mental powers from doing this kind of work.

Depending on the test, IQ directly surveys these abilities and provides data that could yield a 'measurement' in the most intellectually puritanical terms.

>how data works
seriously what the fuck kind of retarded nigger kike are you?

data can be anything constructed any way
>how literally everything in the world works
and no argument to boot

this is why all commies will be burnt alive. your entire psychology is motivated by personal enmity for people better than you. not human.

Not only that, but also why do you think people move to expensive suburbs? Two suburbs outside NYC can be identical in almost every way, and yet one of them, houses cost $100k and the other, houses cost $900k.

i think stefan is begging to get banned. i hope he does so we can start a firestorm. fuck jack and fuck twitter.

There is only one...value.

>IQ is pseudoscience
the military relies heavily on it. trying joining with a sub 83 IQ and see how that works out.

People who do not have a basic understanding of philosophy might not have understood what Destiny was saying, but anyone who does certainly did.

It's not just semantics. Molymeme fumbled on basic concepts such as validity, truth, and soundness. It is crucial that these ideas be distinguished precisely because they are often confused in everyday speech. This is stuff you learn the FIRST DAY of Philosophy 101. Again, this is not acceptable for someone who tries to present himself as a scholar in philosophy and should put basically everything he says into question if you treat him as some authoritative source.

>validity, truth, and soundness
this is just semantics battling
these words are synonymous in most contexts

just because you don't adhere to the jargon conventions doesn't mean you don't know what you're talking about

and anyway, it was not bald tweeters aim in that passage to illustrate these differences and there is no evidence that he didn't explain them elsewhere

it was to highlight popular bias by a series of analogies that were logically equivalent

you and retard dota streamer are evaluating the variables by their common-bias meanings, not as the placeholders they were meant to be, which was completely clear from the context of the passage

seriously that streamer is fucking retarded

I actually took philosophy in college, the first thing you learn in philosophy 101, there's no set standard for philosophy . You seriously have to make up your own as you go, and you do not have to study philosophy to be a philosopher

ye and those pesky blacks benefited the most from it

oh wait

Lets get him banned from the internet for not debating richard spencer. Seriously, if we get Stef banned, it will make people afraid to not debate spencer. It's good optics

richard spencer is a fucking horrible debater
he is clearly programmed with talking points

Got any links or reading sources where I can learn more?

You don't have a problem with it because you've never taken a philosophy class and have only a laymen understanding of the terms in question, not realizing that when you understand the terms as they are formally, there's a significance in distinguishing them properly. After all, part of the whole purpose of logic is to increase the clarity of your thoughts and expressions. So when Molymeme calls a perfectly valid argument "invalid" because the premises are false, he is showing he doesn't have the basic understanding that logic is about form, not so much the truth of particular statements. This is compounded when he confuses terms like truth and validity. Truth is a way of describing statements, not arguments. Valid is a way of describing deductive arguments, not statements. Anyone going out into the real world and trying to apply this knowledge as presented by Molymeme is going to be at a disadvantage because he is doing nothing but encouraging the sloppy thinking logic exists to avoid.

>t. never watched a spencer debate
Spencer may be a closet gay but he does actually have a really good way of looking at things. Its almost poetic

I took philosophy, you are full of shit bro. That's not how any of that works
Would you like to know more?

They did until they changed the bankruptcy laws. Now the juden are upset because they are still not getting their money, and the rest of the market isnt doing well enough to eat the diffrence.

whatever you poles did to him while he was over there is working

Can someone please explain to me whats the actual non-meme reason that our government has spent the last 40
+ years doing its absolutely damnedest to move heaven and earth to import as much of the third world hordes as it absolutely can into the US when all they do is commit crimes, take jobs from Americans, cause financial and economic downturn with their bad credit and inability to pay loans, meanwhile lowering standards for jobs and loans so that as many of the third worlders can get undeserved loans and jobs as possible? Not to mention all the free ride scholarships and funding for 'diverse' school distritcts.

It goes on and on and its been this way for decades. Why are the powers that be doing this? Dont just give me some meme answers about protocols or kalgeri, literally what is going through the minds of all the politicians that vote for this shit?

Because , they want everyone to suffer equally

>We must talk
I don't speak spanish or ebonics. Will a translator be provided?

>drone keeps droning about jargon
Sharing a trait does not mean sharing an identity

that was his entire point and it was plain from the context

Who cares
Destiny is manlet loser

Average IQ of 85 will do that.

>non-meme reason
they want to kill you.
they want to destroy the west because they were incentivized to do so by jewish economic systems.
they are completely and totally insane.

if that's a "meme" to you, then you're too stupid to ever grasp the truth.

the reasons for what's happening are spiritual and you don't have the education to understand the physical dynamics

>talking about financial responsibility to ghetto blacks and Mexicans
Man, he really doesn't get it yet, does he.

If you took a philosophy,you'd see dude is full of shit . Philosophy has no set rules, and you are encouraged to figure out stuff for your self. Thew basis of philosophy is self discovery and critical thinking, you seriously don't have to take philosophy in college to be a philosopher. If anybody tries to sell you the line that's there's some set standard for philosophy, they don't even grasp the basic concept of it

Ahhh 2006-2008. Banks were just handing out cash to anyone. Wasn't only going on in America.

variance gets high in the higher IQ ranges (so not useful). at the range you talk about people are barely able to read and write why would they be able to do a test based on symbols and abstractions? high IQ means "not dumb" rather than "is intelligent".

Maybe Im just retarded but western european culture is so nice and pleasant, living in a ~200 population village of europeans or 1950s america has been my dream ever since i was a little kid. Surely its obvious to everyone with triple digit IQ that this form of life is optimal for human happiness. So why would anyone want to eradicate all forms of happy, safe communities?

philosophy does have set rules and it is a structured discipline going back to plato. we are just learning more. you can't just come up with any old shit...

Name the Jew, faggot.

Attached: Jews and the Privatization of the World.jpg (462x557, 134K)

Didn't frame game go into depth about this on JF about a year ago
Was one of the most important stories imo oh well let it burn

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