{"id":325,"date":"2022-09-04T21:13:54","date_gmt":"2022-09-05T00:13:54","guid":{"rendered":"https:\/\/noticias-gerais.online\/?p=325"},"modified":"2023-02-21T23:33:12","modified_gmt":"2023-02-22T02:33:12","slug":"coluna-de-convidados-a-injustica-arraigada-torna-o-perdao-do-emprestimo-pessoal-razoavel","status":"publish","type":"post","link":"https:\/\/noticias-gerais.online\/sk\/coluna-de-convidados-a-injustica-arraigada-torna-o-perdao-do-emprestimo-pessoal-razoavel\/","title":{"rendered":"Hos\u0165ovsk\u00fd st\u013ap\u010dek: zakorenen\u00e1 nespravodlivos\u0165 rob\u00ed odp\u00fa\u0161\u0165anie osobn\u00fdch p\u00f4\u017ei\u010diek rozumn\u00fdm."},"content":{"rendered":"<p><span>Prezident Joe Biden ned\u00e1vno ozn\u00e1mil svoj dlho o\u010dak\u00e1van\u00fd pl\u00e1n odpustenia \u00faverov.<\/span><\/p>\n<p><span>Ako s\u00fa\u010das\u0165 jedn\u00e9ho zo svojich volebn\u00fdch s\u013eubov Biden a jeho t\u00edm vytvorili pl\u00e1n, ktor\u00fd by odpustil 10 000 dol\u00e1rov jednotlivcom s pr\u00edjmom ni\u017e\u0161\u00edm ako 125 000 dol\u00e1rov (250 000 dol\u00e1rov pre rodiny) alebo 20 000 dol\u00e1rov pr\u00edjemcom Pellovej d\u00e1vky, teda jednotlivcom, ktor\u00ed \u010dasto poch\u00e1dzaj\u00fa z rod\u00edn s pr\u00edjmom ni\u017e\u0161\u00edm ako 40 000 dol\u00e1rov.<\/span><\/p>\n<p><span>Vypuklo mno\u017estvo reakci\u00ed. Mnoh\u00ed tento krok tlieskali; okrem toho, \u017ee to nebola v podstate najl\u00e1kavej\u0161ia \u00farove\u0148 (niektor\u00ed po\u017eadovali a\u017e $ 50 000 USD), ho pova\u017eovali za skvel\u00fd v\u00fdsledok. Mnoh\u00ed z \u013eavice mali pocit, \u017ee sa to v podstate stalo nedostato\u010dn\u00fdm. Prezident NAACP Derrick Johnson to videl ako pr\u00edle\u017eitos\u0165 pre rasov\u00fa a ekonomick\u00fa spravodlivos\u0165 a prial si odv\u00e1\u017enej\u0161\u00ed krok, ale nakoniec to vn\u00edmal ako ve\u013ek\u00fd \u2013 a optimistick\u00fd \u2013 prv\u00fd krok.<\/span><\/p>\n<p><span>Ako sa o\u010dak\u00e1valo, mnoh\u00ed konzervat\u00edvci toto rozhodnutie kritizovali. Niektor\u00ed sa zamerali na to, ako to ovplyvn\u00ed deficit. R\u00fdchlo si uvedomili, \u017ee obeh u\u017e \u00fa\u010dinne nevyma\u017ee \u0161krty deficitu dohodnut\u00e9 s administrat\u00edvou, ale pravdepodobne deficit e\u0161te viac zavedie. In\u00ed nazna\u010dili, \u017ee to zhor\u0161\u00ed infl\u00e1ciu, ktor\u00e1 je st\u00e1le ve\u013emi vysok\u00e1.<\/span><\/p>\n<p><span>Ale ak\u00e1 bola naj\u010dastej\u0161ia s\u0165a\u017enos\u0165 od t\u00fdch, ktor\u00ed toto rozhodnutie nen\u00e1videli?<\/span><\/p>\n<p><span>U\u017e to nie je f\u00e9r.<\/span><\/p>\n<p><span>Sen\u00e1tor za Louisianu John Kennedy to zhrnul takto: \u201cAmeri\u010dania, ktor\u00ed u\u017e splatili svoje dlhy, pracovali v \u0161kole, absolvovali v\u00fdmenn\u00fd program alebo sa rozhodli ne\u00eds\u0165 na vysok\u00fa \u0161kolu, splatia p\u00f4\u017ei\u010dky, ktor\u00e9 si vzali in\u00ed \u013eudia. Na ktorej plan\u00e9te je to spravodliv\u00e9?\u201d<\/span><\/p>\n<p><span>Ale spravodlivos\u0165, alebo sk\u00f4r jej nedostatok, je d\u00f4vodom, pre\u010do si to\u013eko \u013eud\u00ed, najm\u00e4 Afroameri\u010danov, berie p\u00f4\u017ei\u010dky na \u0161t\u00fadium na vysokej \u0161kole.<\/span><\/p>\n<p><span>Je nerozumn\u00e9, aby bol z\u00e1kon o vojakoch, ktor\u00fd pon\u00fakal bielym Ameri\u010danom \u0161koln\u00e9, dostupn\u00e9 p\u00f4\u017ei\u010dky na b\u00fdvanie a poistenie v nezamestnanosti, systematicky implementovan\u00fd sp\u00f4sobom, ktor\u00fd vylu\u010doval \u010derno\u0161sk\u00fdch vojakov, ktor\u00ed bojovali v rovnak\u00fdch bitk\u00e1ch, \u010delili rovnak\u00fdm nebezpe\u010denstv\u00e1m a utrpeli rovnak\u00e9 zranenia. V skuto\u010dnosti v\u00e4\u010d\u0161ina \u010derno\u0161sk\u00fdch veter\u00e1nov musela nav\u0161tevova\u0165 historicky \u010derno\u0161sk\u00e9 vysok\u00e9 \u0161koly a univerzity, preto\u017ee mnoh\u00e9 in\u0161tit\u00facie v tom \u010dase z\u00e1pis \u010dernochov zakazovali.\u00a0<\/span><\/p>\n<p><span>Je nespravodliv\u00e9, \u017ee tieto identick\u00e9 univerzity HBCU boli financovan\u00e9 nerovnomerne, \u010do pretrv\u00e1va u\u017e viac ako 50 rokov. Napr\u00edklad medzi rokmi 1957 a 2007 nedostala Tennessee State College zodpovedaj\u00face \u0161t\u00e1tne financovanie, \u010do in\u0161tit\u00faciu st\u00e1lo pribli\u017ene pol mili\u00f3na dol\u00e1rov. Ned\u00e1vna \u0161t\u00fadia Forbesu zistila, \u017ee medzi rokmi 1987 a 2020 bolo 18 univerz\u00edt HBCU, ktor\u00fdm boli udelen\u00e9 pozemky, podfinancovan\u00fdch o 12,8 miliardy dol\u00e1rov, po zoh\u013eadnen\u00ed infl\u00e1cie. Louisiana podfinancovala len Ju\u017en\u00fa univerzitu o takmer 1,4 miliardy dol\u00e1rov (rozhodne som nepova\u017eoval sen\u00e1torov n\u00e1rek nad t\u00fdmto probl\u00e9mom za nespravodliv\u00fd). Z\u00e1mern\u00e9 podfinancovanie potom viedlo k v\u00e4\u010d\u0161ej z\u00e1vislosti od \u0161koln\u00e9ho a poplatkov, \u010do n\u00e1sledne zv\u00fd\u0161ilo objem p\u00f4\u017ei\u010diek \u010derpan\u00fdch s pomocou rod\u00edn.<\/span><\/p>\n<p><span>Vysoko\u0161kolsk\u00ed \u0161tudenti HBCU maj\u00fa vy\u0161\u0161ie sk\u00f3re na z\u00e1klade p\u00f4\u017ei\u010diek, preto\u017ee vlastn\u00edctvo domu je pravdepodobne jedn\u00fdm zo sp\u00f4sobov, ak\u00fdmi \u010derno\u0161sk\u00e9 rodiny buduj\u00fa bohatstvo. Nie je nerozumn\u00e9, \u017ee \u010derno\u0161sk\u00e9 rodiny \u010delia diskrimin\u00e1cii v b\u00fdvan\u00ed r\u00f4znymi sp\u00f4sobmi. V s\u00fa\u010dasnosti \u010derno\u0161sk\u00fd profesor na Johns Hopkins, ktor\u00fd \u0161tuduje redlining a rasizmus na trhu s b\u00fdvan\u00edm, za\u017eil svoju anal\u00fdzu na vlastnej ko\u017ei. Po s\u00e9rii vylep\u0161en\u00ed, dychtiv\u00ed refinancova\u0165, on a jeho man\u017eelka si nechali ohodnoti\u0165 svoj dom na 472 000 dol\u00e1rov, \u010do je teraz len o m\u00e1lo viac ako be\u017en\u00e1 k\u00fapna sadzba, a ich osobn\u00e1 p\u00f4\u017ei\u010dka bola zamietnut\u00e1. \u0160tudent si overil svoju anal\u00fdzu \u017eiados\u0165ou o dodato\u010dn\u00fa refinan\u010dn\u00fa p\u00f4\u017ei\u010dku, tentoraz eliminoval v\u0161etky ukazovatele vlastn\u00edctva dom\u00e1cnosti a najal bieleho profesora, aby ho zastupoval. V\u00fdsledok? Nov\u00e9 ohodnotenie na 750 000 dol\u00e1rov, \u010do predstavuje n\u00e1rast hodnoty o p\u00e4\u0165desiatdev\u00e4\u0165 dol\u00e1rov.<\/span><\/p>\n<p><span>\u010ciernym rodin\u00e1m sa \u010dasto odmietaj\u00fa hypot\u00e9ky a s\u00fa postihnut\u00e9 redliningom. Ani to nie je f\u00e9r.<\/span><\/p>\n<p><span>Nakoniec, v\u00e4\u010d\u0161ina \u010derno\u0161sk\u00fdch \u0161tudentov na fakulte s\u00fa diev\u010dat\u00e1. Je nerozumn\u00e9, aby \u010derno\u0161ky pracovali 19 mesiacov, aby zarobili rovnako ako ich bieli mu\u017esk\u00ed kolegovia za rok. Ke\u010f \u010derno\u0161ky zarobia \u0161es\u0165desiattri centov za ka\u017ed\u00fd dol\u00e1r, ktor\u00fd zarobia bieli mu\u017ei, st\u00e1va sa \u0165a\u017ek\u00e9 uspokoji\u0165 z\u00e1kladn\u00e9 potreby, nieto e\u0161te udr\u017ea\u0165 si a zaplati\u0165 za vysok\u00fa \u0161kolu.<\/span><\/p>\n<p><span>Pre \u010derno\u0161sk\u00fdch americk\u00fdch ob\u010danov je to u\u017e dlho nerozumn\u00e9 a tento nedostatok spravodlivosti vytvoril situ\u00e1ciu, v ktorej si mnoh\u00ed, ktor\u00ed sa sna\u017eia zlep\u0161i\u0165 si kari\u00e9ru a splni\u0165 si americk\u00fd sen, ber\u00fa nev\u00fdhodn\u00e9 p\u00f4\u017ei\u010dky. Keby boli Spojen\u00e9 \u0161t\u00e1ty rozumn\u00e9 k \u010derno\u0161sk\u00fdm veter\u00e1nom, dr\u017eite\u013eom eur\u00f3pskych diplomov, \u010derno\u0161sk\u00fdm majite\u013eom domov a \u010derno\u0161sk\u00fdm diev\u010dat\u00e1m, nechceli by sme odp\u00fa\u0161\u0165anie p\u00f4\u017ei\u010diek.<\/span><\/p>\n<p><span>Na\u0161\u0165astie sa n\u00e1m sk\u00f4r ako nesk\u00f4r podar\u00ed vyhn\u00fa\u0165 tomu, aby sa \u010derno\u0161sk\u00ed ob\u010dania ocitli v tejto situ\u00e1cii. Jednoducho si zasl\u00fa\u017eime by\u0165 spravodliv\u00ed.<\/span><\/p>\n<p><span>Walter Kimbrough je b\u00fdval\u00fd prezident spolo\u010dnosti Dillard. V s\u00fa\u010dasnosti je vl\u00e1dnym riadite\u013eom V\u00fdskumn\u00e9ho \u00fastavu pre \u010derno\u0161sk\u00fdch mu\u017eov na Morehouse College.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Atualmente, o presidente Joe Biden anunciou seu t\u00e3o esperado plano de perd\u00e3o de empr\u00e9stimos. por uma de suas garantias de campanha, Biden e sua equipe estabeleceram um plano que perdoaria US$ 10.000 para indiv\u00edduos que ganhassem menos de US$ 125.000 (US$ 250.000 para fam\u00edlias), ou US$ 20.000 para os destinat\u00e1rios do Pell, indiv\u00edduos que frequentemente [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-325","post","type-post","status-publish","format-standard","category-economia"],"_links":{"self":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/325","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/comments?post=325"}],"version-history":[{"count":0,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/325\/revisions"}],"wp:attachment":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/media?parent=325"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/categories?post=325"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/tags?post=325"}],"curies":[{"name":"pracovn\u00fd list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}