Every smart person knows nicer neighborhoods equal less crime so you get better rates. High crime areas like the ghettos...cars are more likely to be stolen. If your premiums are higher because you live in a high-crime area, your insurance company already calculated it's more likely you will make a claim.
By the way...high-crime areas are predominantly black.
"Joe Biden said if a black man didn’t vote for him, he wasn’t truly black. Joe Biden said black people are a monolithic community. Joe Biden said poor kids can be just as smart as white kids."
"If we cannot make significant progress on racial equity, this country is doomed. It is doomed, not just because of African Americans, but because by 2040 this country is going to be minority white European. Hear me? Minority white European. And you guys are going to have to start working more with Hispanics, who will make up a larger portion of the population than y’all do."
Nah man...it seems like Bubbathegut 360 reverse roundhouse kicked you to the cranium and you've been unconscious ever since. You're just waking up now and that was the best you could come up with to try and save face.
It comes down to natural resources, geography, lack of high calorie crops, and lack of domesticable animal species which set back African civilization by millenia compared to Europe and Asia and then hundreds of years of exploitation by European powers.
Africa is rich in natural resources ranging from arable land, water, oil, natural gas, minerals, forests and wildlife. The continent holds a huge proportion of the world’s natural resources, both renewables and non-renewables.
Africa is home to some 30 percent of the world’s mineral reserves, eight per cent of the world’s natural Gas and 12 per cent of the world’s oil reserves. The continent has 40 percent of the world’s gold and up to 90 percent of its chromium and platinum. The largest reserves of cobalt, diamonds, platinum and uranium in the world are in Africa. It holds 65 per cent of the world’s arable land and ten percent of the planet’s internal renewable fresh water source. https://www.unep.org/regions/africa/our-work-africa#:~:text=The%20continent%20has%2040%20percent,internal%20renewable%20fresh%20water%20source.
South Africa was a prosperous Country until it was turned back over in 1994, now its a shit hole.
South Africa is today among the world’s most unequal countries, the World Bank reported in March. Inequality has only worsened since apartheid formally ended, with the country’s first majority-rule election, in 1994. Black education remains abysmal, while more than seventy per cent of top management leaders in the private sector are white. https://www.newyorker.com/news/daily-comment/mandelas-dream-for-south-africa-is-in-ruins
The immediate post-apartheid period was marked by an exodus of skilled, white South Africans amid crime related safety concerns. The South African Institute of Race Relations estimated in 2008 that 800,000 or more white people had emigrated since 1995, out of the approximately 4,000,000 who were in South Africa when apartheid formally ended the year before.
Even Egypt, Libya and Algeria are better places to live than the rest of the Countries.
People have been starving since 1985 but yet kids are still being born.
What are your thoughts on the facts that I have provided? America has been giving money and aid to Africa since 1985, yet everyone is still poor and starving. Why is that?
Interesting that this correlates with how much education is valued in these countries. You want more intelligent people? Put more money and importance on education.
This list pretty much proves that IQ testing is culturally biased. The first test of a theory (e.g. the Stanford-Binet year is an accurate measurement of innate intelligence) is whether the data makes sense given other information.
And if anybody thinks there is a country where the average person is seriously mentally handicapped, I've got a bridge to sell you.
"Is IQ Genetic or learned?
Researchers have previously shown that a person's IQ is highly influenced by genetic factors, and have even identified certain genes that play a role. They've also shown that performance in school has genetic factors. But it's been unclear whether the same genes that influence IQ also influence grades and test scores."
And it’s only a coincidence that those countries with low IQ are fucked up and undeveloped while the high IQ ones are generally well developed. Of course …
And the only insurrection to successfully take place was racist Democrats:
1898 Wilmington Coup:
The coup was the result of a group of the state's white Southern Democrats conspiring and leading a mob of 2,000 white men to overthrow the legitimately elected local Fusionist biracial government in Wilmington.
Everyone over age 15 also knows that men pay more for car insurance than women (regardless of ethnicity) because men take more risks and less precautions when driving.
In the areas of high crime the insurance is higher because of theft of vehicles and things that are inside them. White people don't live in thse areas because of that. So of course, blacks pay more than the whites. But really who cares because they are only spending the ewelfare money white people give them to pay for the insurance.
Racial disparity in automobile insurance extends to minimum coverage, two. That type of insurance is for liability, only and does not cover theft. So your argument is wrong.