December 23, 2025 • 59 mins
This week on The Black Perspective, Esther Dillard talks with civil rights attorney Alphonso David about legal challenges facing the Black community going into 2026.
Morgyn Wood sits down with Senita M. Hill, founder of Peace on Patuxent, a respite retreat for women diagnosed with life-leveling cancers.
Vanessa Tyler speaks with Booker T. Washington, founder of Techie Homes, about pathways to homeownership and building generational wealth.
Doug Davis returns with Dr. Thela Thatch, HR consultant, diversity expert, and former Chief Diversity Officer at Live Nation Entertainment, on strategies for generational wealth in the year ahead.
We also hear commentary from Roland Martin and James T. Harris.
Listen Now!
Morgyn Wood sits down with Senita M. Hill, founder of Peace on Patuxent, a respite retreat for women diagnosed with life-leveling cancers.
Vanessa Tyler speaks with Booker T. Washington, founder of Techie Homes, about pathways to homeownership and building generational wealth.
Doug Davis returns with Dr. Thela Thatch, HR consultant, diversity expert, and former Chief Diversity Officer at Live Nation Entertainment, on strategies for generational wealth in the year ahead.
We also hear commentary from Roland Martin and James T. Harris.
Listen Now!
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
It's Sunday, December twenty first, twenty twenty five, the Sunday
before Christmas, and on today's show, The Black Information Networks,
Ester Dillard talks to attorney Alfonso David about concerning legal
challenges that the Black community should know about going into
twenty twenty six. B i In's Morgan Wood talks to
Sanita Hill from Peace on pet Tuxent, a home and
(00:20):
day retreat established for women fighting life level and cancers.
Vanessa Tyler talks to founder of Techy Holmes Booker T
Washington about how you can live the American dream of
owning a home.
Speaker 2 (00:31):
Doug Davis is.
Speaker 1 (00:32):
Back with doctor the lay Thatch, hr consultant, diversity expert
and former chief Diversity officer at Live Nation Entertainment about
how we can create generational wealth in twenty twenty six
and beyond. And we get commentary from Roland Martin and
James T.
Speaker 2 (00:47):
Harris.
Speaker 1 (00:48):
These stories are coming your way. On today's program, Welcome
to the Black Perspective, I'm your host, Mike Island.
Speaker 3 (00:55):
Welcome to the Black Perspective, a weekly community affairs program
on the Black Day Information Network featuring interviews and discussions
on issues important to the Black community.
Speaker 1 (01:05):
Good Sunday and Merry Christmas and welcome to the Black perspective.
The Black Information Networks. Morgan Wood spoke with Canita Hill
from Peace on Patuction, a no cost respite home and
day retreat established for women fighting life leveling cancers. She
shares her story and how Peace on Patucxent came to be.
Speaker 4 (01:22):
Morgan would on the Black Information Network and joining me
right now is Canita Hill. She's the founder and CEO
of Peace on the Protuccent and a twenty twenty five
speak Sell Shine on Aree. Thank you for the work
that you're doing and for sharing your peace and time
with us today on the Black Information Network.
Speaker 5 (01:42):
We really appreciate it.
Speaker 6 (01:43):
Thank you, Thank you for having me. It was a
wonderful opportunity and I enjoy your show. So thank you
so very much.
Speaker 5 (01:50):
Absolutely so let's jump into the conversation.
Speaker 4 (01:52):
Sanita talk to me about Peace on the Protuccent though
for those who may not know what it is, in
hired you to start it and what's.
Speaker 5 (02:02):
Your why behind the mission?
Speaker 7 (02:05):
Wow? Great, that's a great start.
Speaker 6 (02:07):
So Peace on Patuxent is a resped home for women
diagnosed with life leveling cancers. We're located in Laurel, Maryland,
and I tell everyone that we're at the apex between
all of the counties because we serve the state of Maryland,
Northern Virginia, and DC. So we sit right at the
apex where all of the counties come together, Howard and
(02:29):
Arundo and all of those counties. I think it's four
counties come together. What started me to what caused me
to start peace on Patuxent was my mom. My mother
was diagnosed with lung cancer and we're getting ready to
go into Lung Cancer Awareness Month, which is November. So
my mother was diagnosed about I want to say almost
(02:52):
twenty years ago. She was diagnosed with lung cancer. At
the same time I was diagnosed with MNGUS, which is
a precursor to multiple maloma, which is a blood cancer.
So doing it process during that diagnosis, I sort of
took my diagnosis although I was being seen by an oncologist.
(03:16):
I sort of took mine and sort of stuffed it
in my back pocket because what was more imperative was
that my mom was that I helped my mother with
her journey. Her journey to me was more critical, and
in that I saw I was able to get exposure
to the services that were available and the ones that
were not. I was able to see what was being
(03:37):
offered to women of color and women who were diagnosed
with lung cancer in that In that process, I saw
that the services were NIIL one for women of color,
one for women of color, two for women who were
south of the Beltway when it came to our area
(03:59):
to being a DMV area, and then three two women
who were diagnosed with lung cancer. That was the most
disturbing portion for me because being here in the metropolitan area,
why isn't a woman who's diagnosed with lung cancer, Why
isn't she just as important as a woman who's diagnosed
with breast cancer? And why aren't we raising the banner
(04:21):
for that? So that sort of got me into becoming
a champion for cancer, getting involved into the community, what's
available with services are out there, and so that started
me into the journey. Of course, my mom ended up
transitioning and fifteen sixteen sixteen months, sixteen fourteen months later,
(04:46):
my best girlfriend, who helped me through my journey with
my mom, she transitioned also from lung cancer.
Speaker 7 (04:53):
So I was just done.
Speaker 6 (04:55):
I was done, devastated, and again I knew what was
out in the market, get what was on the market
for the women. Later in life, I thought it was
time to retire and do something different. And I believe
that the spirit spoke to me and told me that
I would do peace on Patucxin. I was my charge
(05:15):
is to open peace on Patuxin. I had done all
the leg work to open it, and so peace on
Patexing has now. I opened it from my residence. It
is now peace on Patexting. I tell everyone I'm squatting.
This is where women come and decompress. My mother loved
the garden. So we have a two day retreat that
(05:36):
is at no cost, and we have a meditation garden
where they can come and safe, where they can come
and visit for one day or half a day and
participate in the activities that we provide. And that way
it allows a woman to take a moment just to
determine how she wants to run her journey, without any doctors,
without it, her family, just by herself, to think about
(05:58):
her journey specifically, because as she matters.
Speaker 4 (06:01):
I'm so sorry to hear about your best friend and
your mother, but I am just applauding you on the
work that you're doing and the fact that you were
so inspired by what was going on with them. But
then at the same time you know that level of
resilience for yourself because you had your own diagnosis to
deal with. Now, the work that you're doing sits at
(06:23):
the intersection of nature, healing and community.
Speaker 5 (06:27):
How do you see that?
Speaker 4 (06:29):
Specifically the Protuccent River as a space of restoration and healing.
Speaker 7 (06:37):
So the Protuccent River sits across We don't sit on
the river, but it is across the street. So if
a woman was to visit, she can come.
Speaker 6 (06:45):
And walk down to the river. But the healing for
peace on protection the actual property one. I will say
that it is ordained. It is nothing that we do.
There is no magic. It is where we tell people
where the magic happens. It's something about a community of
women that comes together who look alike, understand each other,
(07:05):
understand the cancers, and that they have never had a
moment to stop and think about themselves. It has always
been about them. Usually, when a woman is diagnosed with cancer,
she's told that she has choices. From the doctor's office
and the family. We told them that they have choices,
but in actuality they do not. We have already made
(07:28):
their choices for them.
Speaker 2 (07:29):
You will go through.
Speaker 7 (07:30):
Pre chemotherapy, you will go through radiation, you will go
to these doctor's appointments.
Speaker 6 (07:36):
But here at a piece of unprotuxant we don't have.
It is just devoid of all of that. It just
honors them as a woman. We allow them to come.
But if a woman comes to stay or selected to
stay overnight, we provide transportation. Not just transportation, we provide
(07:56):
a limousine door to door anywhere in this of Maryland,
and then the DMD we provide a limousine. When she arrives,
there's a red carpet that awaits her. She is crowned
and she is pampered from the beginning to the end.
That in itself allows a woman to just what we've
heard and many other women who've come through the property,
(08:20):
It allows them to honor theirselves, each other, and it
allows them a place to just not feel to a
safe place where they can really expose themselves and their emotions.
Many say that they've never even had a moment to
cry until they get to peace on the Tuxan.
Speaker 4 (08:39):
I absolutely love that many of your efforts and center
around women's empowerment and that mental wellness factor. Can you
talk to me about what that means to have that
mental wellness factor, to be crowned, to roll out the
red carpet, to just feel like a queen for the day,
to be able to say, you know what, it's okay
(09:00):
to cry. Can you talk to me about how that
impacts of some of the patients that come through your program.
Speaker 6 (09:07):
Yes, because I'm a daughter and that as I said earlier,
I'm a daughter and I had total you know, I
wanted to take my mom and she would go where
I said, never mind. She had five days of appointments,
an appointment every day, and it hasn't changed. The process
hasn't changed. But you have you have an appointment every day,
(09:27):
You have an expectation every day. But here there is
no expectation. They are just allowed to be. I always
go to the other side that she's not just a woman.
She's most times she's a mother, a sister, a daughter,
a coworker. So she has all these other responsibilities, a wife,
(09:49):
all these none of those things stop because she is
diagnosed with cancer. What happens is that we allow you
to come here and you're none of those things. You're
just a woman, you're beautiful and your crown and you're
here among sisters, among people who see you. Our staff
is invisible, so we're not even engaged. This becomes their space,
(10:12):
their home, their time. The only thing we do the
staff does here all volunteers is serve them breakfast, lunch,
and dinner. Other than that that this space is their space,
so it really becomes their home, their space for two
days or for the day.
Speaker 4 (10:31):
Peace can mean, and I mean peace on protuction. Peace
can mean different things to different people, especially in today's climate.
It's a lot going on. How would you help people
define and experience peace for themselves through this program? I
mean they might come in and they may not know
what to do, and you say, hey, you can just
be well what would you suggest?
Speaker 7 (10:55):
Right?
Speaker 6 (10:55):
And that is it many times, just coming here first
of all them for trusting me, for trusting peace on
the tips and I think the loved ones all of
the whole process. Because there are anxieties that women that
we carry and I'll say we own it that we
carry just when you're just because you're you know, when
(11:16):
you're diagnosed, but because you're in remission doesn't mean that
it's over.
Speaker 7 (11:20):
You're always wondering in the back of your mind.
Speaker 6 (11:23):
You know, the chatter, the noise in your head is
always there. What is happening? When is it going to
come back? Each doctor's appointment. It's there for me and
for us here at peace on Protuxant. It's just a
place where you can silence the noise. It's just where
you can just silence the noise. And that's the piece.
Speaker 5 (11:44):
I love that.
Speaker 4 (11:45):
So we are living at a time where community healing
feels both urgent and difficult. There are challenges there. So
what have you learned about bringing people together across differences
or divisions.
Speaker 6 (11:59):
So even though you bring them across the differences and divisions,
when they the one commonality is they're women and that
they're diagnosed with cancer. It doesn't matter where they are
in their journey, if they are well enough to come
to the property. They have to be healthy enough to
be on their own and independent to show up. Is
(12:22):
your one commonality that is that surpasses anything, is that
you and I or she and the next.
Speaker 8 (12:31):
She they have cancer.
Speaker 6 (12:34):
Yeah, that alone just gives them conversation. That is the
community right there, and that someone saw me and felt
that I was worthy enough to take the time and
say I'm gonna just come and just let me take
care of you for a moment.
Speaker 4 (12:52):
That's I love that we're speaking with Canita Hill, founder
of Peace on Protuxent, and she's also a twenty twenty
five Speak Cell Shine Honorey. Let's talk about that for
just a moment. You were recently honored as a top
Women's Issue Honorey at doctor Pam Perry's twenty twenty five
Speak cell Shine Awards.
Speaker 5 (13:13):
First of all, congratulations to you. I can see why
you won.
Speaker 4 (13:17):
But how does that recognition feel and what does this
represent for you?
Speaker 7 (13:22):
Oh?
Speaker 6 (13:22):
My goodness, gracious it has. It is phenomenal. First of all,
Speak cell Shine. I could not praise it enough for
the exposure that it is given Peace on Protext, for
the exposure that it has given me as a business woman,
because on the other side, I'm a businesswoman. I have
a consulting firm to teach teach corporate and individuals how
(13:45):
to reclaim. I'm using my reclaim method how to move
from from confusion and to clarity, from confusing to clarity.
So that is but that is, that is what speaks
sell shine did. It gave to all of that, and
although I had the the it just went right out
(14:08):
the ones of all the I have the consulting firm.
What it did was it allowed me to bring a
voice to peace on protuxant even though the consulting firm
is here. Peace on protuction is impact, and I believe
that leadership is impact. How can we find impact? We
all want to do something, but what is it and
(14:30):
what impact do you want to make? So I could
show in real time, real life, here's what or not
here's what a consulting firm does. But here is the
impact of it, and it is measurable and it makes
the difference in the life in lives not only of women,
but also of the children and the family that they
(14:51):
go back to. That just makes a big difference. So
speak cel Sean gave so much attention to that by
being a part of those professionals, because we were all professionals.
Speaker 7 (15:05):
Being a part of that group of professionals. Doctor p.
Speaker 6 (15:10):
Perry can't speak enough about this whole cohort that we
joined up for.
Speaker 7 (15:15):
Can't speak enough about it.
Speaker 6 (15:17):
It is it just elevates you, even just on the inside.
I can tell you, it elevates you on the inside.
You meique wonderful people.
Speaker 5 (15:25):
That's right where we met, that's why we met. That's right.
Speaker 6 (15:28):
We met wonderful people just wanting to do great things
and who are succeeding in life.
Speaker 7 (15:35):
That is something that is a lot.
Speaker 4 (15:40):
Now, as someone Sanita who pours into others, how do
you stay centered and grounded? What's does your own peace
practice look like day to day? I mean, you're helping
these people, they have their challenges.
Speaker 5 (15:52):
What about you?
Speaker 6 (15:55):
So I have committed I, since going through this, I
commit to taking space every three months. We so every
three months there is a break for Sanita. Oh, she
has to take a break, whether it is somewhere in
a bed and breakfast by myself, or whether it is
(16:15):
somewhere on the beach or somewhere out of the country.
Every three months, I must honor myself and take a break.
And I must stand in my truth, which is honoring
women who are diagnosed with cancer.
Speaker 7 (16:32):
That is part of it.
Speaker 9 (16:34):
I can talk about my consulting firm until you know,
until the day is over, but in there I must
also honor peace on protection because that is the work
that I was called to do.
Speaker 4 (16:46):
Speaking of that work. From your perspective as a woman's advocate,
what do you see as the most pressing issue facing
women right now and how can community or media voices
like myself help to address it.
Speaker 6 (17:01):
Well, One, we need to let women know that they
are not alone. There is a place Peace on Protection
wwws that Peace on Protection dot org. Support Peace on Protection.
Educate women that there is a place that they can
go and that she matters. I want to say we
could ease up off of them, give them some grace,
(17:21):
you know, as daughters and and and and so and
the like. Peace on Protection is the best gift any
woman could get because it is at no costs now
the organization. The best gift we can get is donations. Support.
The donations, support, sponsorship, airtime to continue to talk about it,
(17:43):
speak speaking, engagements, and on and on. I can say,
talk to your local delegate so that we can get
written in some of these grants and these bills.
Speaker 7 (17:54):
But that is how we can support.
Speaker 4 (17:58):
Tell me the website one more time before I get
into my next question.
Speaker 6 (18:02):
Www pe www dot Peace on Protection dot org.
Speaker 5 (18:08):
Nice.
Speaker 4 (18:09):
Now, looking ahead, what would you say is next for
Peace on Protection? Are there any upcoming initiatives, partnerships or
goals that you are excited to share with us.
Speaker 6 (18:20):
Absolutely, we are going to partner with the University of
Maryland Maryland University to bring an interns to help us
with the data processing data fundraising campaigns. The City of
Laurel is always our biggest, biggest champion, so we are
always partnering with them. We just did a piece from
(18:42):
conversations in the community. Nice and who's the next partner?
So we have to do Law? I think that's the
one I can think of, right quick? Oh, that's all right,
City of Law and University of Maryland.
Speaker 4 (18:55):
Yes, yes, And and for Sanita almost get into your
business a little bit.
Speaker 5 (19:01):
What's the what's coming up next? For Sanita?
Speaker 7 (19:04):
What's all that?
Speaker 9 (19:05):
Was it?
Speaker 2 (19:05):
So?
Speaker 7 (19:06):
And and piece on potexing. Will be launching a book. Okay,
we are launching a book.
Speaker 6 (19:12):
And every year but now I got it. Every year
in May we do a high noon t The book
will be unveiled and for sale at the high Noon
t so book of poetry that we've decided to release
from the experiences that we've gotten here at Peace on
Protection and our ambassadors are actually behind it, so they're
(19:34):
they're back there doing their work. And our ambassadors are
women who had been through Piece on Potoxic or Believe
in the mission. That is a book that they're going
to be releasing in May of this year.
Speaker 5 (19:45):
Can you talk to me, Oh sorry, go ahead.
Speaker 7 (19:47):
No, no, no, go ahead, I'm thoughts.
Speaker 5 (19:49):
No, no, finish with your finish your thought.
Speaker 6 (19:53):
It'll be released in May, and I t and and
that will be. That's that's awesome. That's all I.
Speaker 5 (19:58):
Got, No no worries.
Speaker 4 (19:59):
Okay, talk to me about some of those ambassadors, someone
who may have come through the program up to share
one of their success one of your success stories with me.
Speaker 6 (20:08):
Oh my gosh, the ambassadors. I want to say, my ambassadors,
the ambassadors are awesome. They are such awesome women who
have been through the program. Now I can do this
program justice and talk about these patuxon, but they live it,
they have experienced it. And what I have heard the
common thread was that they pause. It was the pause.
(20:32):
It was the pause that didn't require them, many of
the women, it didn't require them to weigh in, it
didn't require a doctor's referral, it didn't require another medical
anything connected. It was just that they are Now, these
women have now come together because it's about it is
(20:54):
about forming community. They have now formed their own ambassador.
We have the Ambassador program, which is a actual program
they go out into the community. And so from that
we decided to, as I was saying, release this book
of poetry.
Speaker 7 (21:10):
From all women.
Speaker 6 (21:11):
So they are just behind the scenes doing the work
with cancer, still running their journeys.
Speaker 5 (21:17):
I'm amazing, proud of them, amazing.
Speaker 4 (21:20):
Yes, is there anything that I didn't ask you that
you may want to touch on today?
Speaker 6 (21:26):
You did ask me a question and I ring right
back over the piece on potest and you asked me.
What's next for Sanita M Hill consult I also will
be releasing a workbook which is Reclaimed One, the Reclaimed Method,
that will be coming out in the coming months. I
think we're going to release a teaser and it's on
my website Sanita M Hill Sanita m Hill Consulting dot com,
(21:50):
and that's where I'll be releasing the workbook that compliments
the tool the free toolbook, the Free tool Guide on
our website for a reclaim which and the acronym for
reclaim is research, engage, communicate, listen, apply, integrate and mentor
(22:12):
because I do believe in mentorship and I want I
believe that once you do all of that with things
that we have we already have in our lives, then
you can make an impact. And the impact for me,
as I shared earlier, was opening up Piece on Protection.
I thought it would be something, you know, I had
(22:33):
my own thoughts on what I should do, But when
I went back and listened to the voice of what
I would call my God, it was reclaim. It was
the reclaim helped me to get to asan protection.
Speaker 5 (22:46):
Amen to that.
Speaker 4 (22:47):
Now, before I let you go, please once again share
your websites with us and let us know how we
can continue to follow all of the amazing work that
you do.
Speaker 7 (22:57):
Great.
Speaker 6 (22:58):
Yes, you can follow Sanita Hill at Sanita Elmhill Consulting
dot com. And you can follow a Piece on Protection
and apply Piece on Protection at peace on protectin ba
dot org. Either way you are going to find Sanita
elm Hill. You can even just google Saneeda M.
Speaker 7 (23:14):
Hill.
Speaker 6 (23:15):
I'm the only one out there you can. You can
reach me and you can continue to follow. We're giving
coming into giving season. We know that Giving Tuesday is coming.
We will have some we actually in the coming year.
Next year we plan to always have our tea, so
we'll be on the lookout for the I say, be
on the lookout for our annual high noon tea, which
(23:36):
is always in May, first week in May. And then
we're going to have our first as we turn five
years old. Next year, we're going to have our first gala.
So we are we are just getting ready to do
some great things. And did I mention and I think
I think we're having a social this year, So yeah,
we have some great things on the horizon.
Speaker 7 (23:55):
I'm excited. Books and gables.
Speaker 4 (23:59):
Yes, like you've got your hands pretty full with Peace
on Patuxent and you're doing amazing work. Again, kudos to you,
and I salute you and applaud you for the work
that you're doing, especially regarding women and their cancer diagnosis.
I mean that right there is just amazing and to
be admired and you should certainly be proud of yourself
(24:20):
for that. So I hope you are getting your flowers
for the work that you're doing. Sanita Hill, founder and
CEO of Peace on Patuxent and A twenty twenty five
speak cell shine, honoree, thank you so much again for
the work that you're doing and Thank you so much
for speaking with us on the Black Information Network.
Speaker 1 (24:38):
Thanks Morgan and Canita Hill. Now we get commentary from
Roland S. Martin.
Speaker 10 (24:42):
The opinions, beliefs, and viewpoints expressed in this commentary are
those of the author and do not necessarily represent those
of b N and it's founding partners and employees.
Speaker 5 (24:54):
Now it's time to bring the funk with Roland S. Martin.
Speaker 11 (24:58):
White farmers in America vota for don't try up in
the huge numbers. Now they are crying. So Trump is
now putting up a twelve billion dollar bill out program.
Remember how this worked the first time. John Boyd, President
National Black Farmer Association, I talked to him about this
issue on Roland Martin unfiltered.
Speaker 12 (25:17):
Trump gave out thirty billion dollars under his first term
as president.
Speaker 8 (25:22):
He bailed out the farmers.
Speaker 13 (25:24):
And he tried the same card that he's tried right now,
the tariff that's with China. Roland, do you know some
of swy beans for sixteen dollars and eighty cents of
bushel When Trump came in the first time, the price
dropped all the way down to eight dollars.
Speaker 12 (25:40):
A bushel, and at some point lower seven dollars of Bush.
Speaker 11 (25:44):
Hit wow, cutting cup my more than half.
Speaker 12 (25:47):
Fifty percent and a half. And white farmers keeps saying
they are voting for Trump. They voted for him three
times because he's good on agriculture. Do you know who
is president? When I was selling soy bins for eighteen
dollars in some chain, he throw and take one, guess
Obama Biden Barack Obama twenty twelve. The highest prices in
(26:09):
US history was under a black president. His name was
Barack Obama, and I hope it spread across the internet
like wildfire. So the president sold out white farmers for Argentina.
He gave them forty billion dollars. Yes, and then they
turned around and started selling so it beans to China.
Speaker 2 (26:28):
So they took the.
Speaker 12 (26:29):
Money, and they took our contract and all of that stuff. Rodan,
the president got played and then white farmers, as you know,
for the first time. But now you're forty two years Roland.
I've never seen white farmers on every network.
Speaker 11 (26:44):
Lots of orange tears on those networks. But John Boyd
does say to black farmers, still apply for this relief.
Don't sit out. If they reject you, let him know,
but do not sit it out. I'm Roland Martin on
the Black Information Network.
Speaker 1 (27:02):
Thanks Roland, and stay tuned for commentary from James T.
Harris later in today's show. While everyone was concerned about healthcare,
grocery prices, and trying to balance everything through the holidays,
quietly there has been a legal challenge that some lawyers
say could be devastating for Black Americans who want to
buy a new home or start a business. Attorney Alfonso
David spoke to The Black Information Network about it and
(27:25):
breaks down the details.
Speaker 2 (27:26):
They're proposing a role that would weaken enforcement of fair
lending laws, and that's going to make it significantly harder
to challenge discrimination in credit and more the lending.
Speaker 14 (27:40):
In this edition of The Color Between the Lines, we're
speaking with Alfonso David, one of the nation's most foremost
civil rights attorneys and the president and CEO of the
Global Black Economic Forum. In this conversation, we break down
a proposed rule from the Consumer Financial Protection Journal that
could quietly we can protections against discriminatory lending, opening a
(28:03):
door to what many experts are calling modern day redlining.
We'll talk about what this rule means for everyday consumers
like entrepreneurs, first time home buyers, and why this moment
matters at a time when civil rights protections are already
under pressure for people just learning about this, What is
(28:24):
the CFPB proposing and why should everyday consumers be paying
attention to this?
Speaker 2 (28:31):
Still the consumer CFPB, if you will, which is a
consumer Financial Protection Bureau, it's a federal agency that is
proposing a rule. They're proposing a rule that would weaken
enforcement of fair lending laws, and that's going to make
(28:53):
it significantly harder to challenge discrimination in credit and mortgage lending.
So what I often say to folks when they're asking
about this and what does it really mean, is think
about redlining right from the nineteen thirties, where the federal
government and some private actors went through a process of
(29:18):
essentially redlining black and brown neighborhoods. And this practice was
they created maps of cities and marked black and minority
neighborhoods with red lines, and they labeled those neighborhoods as
being high risk for investment or in some cases hazardous.
So people who lived in those neighborhoods were denied mortgages,
(29:42):
they were denied home improvement loans, they were denied insurance,
while families in the green coded areas received favorable terms.
What the CFPB is proposing here will the effectively implement
modern day redlining be able to eliminate what we know
of as disparate impact. And disparate impact is a tool
(30:05):
that has been used for decades that reveals discrimination when
it shows up in outcomes as opposed to intent. So
if you are going out for a mortgage and you
are denied because you're a black woman, you're not able
to show that nine of the other black women are
being denied the same thing. This rule would eliminate disparate impact.
(30:30):
So you would have to show that you were being
denied the mortgage because the lender said something specific to you.
You're not able to show what we think of as
a pattern or a practice where others are being denied
simply because of their gender, or their race, or their ethnicity.
(30:50):
And that's one of the reasons why this rule is
so dangerous is that it eliminates disparate impact. But there's
something else. It also severely restricts what's called the special
purpose credit program. Now, this is a rule or a
program that has been used to close the racial gaps
(31:11):
in home ownership and lending, and they're looking to effectively
newter or eliminate that program. So when we think of
redlining from the nineteen thirties and the nineteen forties, understand
that this new rule could effectively implement modern day redlining.
Speaker 14 (31:32):
And what's interesting about it, and when you were explaining it,
is that it feels as if you know, just the
idea of being quote racist, it's a system, So it's
not necessarily a person or how they act or if
(31:53):
they have intent, but it's a system which causes this.
So it reinforces what you're explaining sounds like it reinforces
the old system that was in place before and now
we'll see it again.
Speaker 15 (32:08):
Is there any way that lawyers like.
Speaker 14 (32:10):
Yourself or those who are in legal circles are able
to combat what they see as an injustice in the system.
Speaker 2 (32:22):
Yes, So we are monitoring this rule that is being proposed,
and we're monitoring how this rule may be implemented, and
I think it's fair to say that there may be
legal action taken as a result of this rule being implemented. Secondarily,
we also are looking at states that have their own
(32:44):
local rules that regulate discrimination and lending and credit. And so, yes,
this is a federal agency that's looking to implement a
new rule that will govern federal lending and credit practices.
But we shouldn't lose sight of the fact that we
live in states, we live in municipalities, we live in cities,
(33:07):
and those states and municipalities and cities have their own
laws that may make it much more difficult for the
federal rule to be implemented in the way that they
want it to be implemented. So we're looking at those
two portals. Right, if this rule is implemented, certainly I
think you can it's fair to say that folks may
challenge it. And then secondarily, we're looking at the laws
(33:30):
that exist that stay at the state level to make
sure that we can protect people because this is not
only mortgage lending. This is also small business credit. This
is interest rates. So if you think of a black
entrepreneur with strong revenues and they're denied alone because of
(33:50):
the zip code that their business is in, so the
outcome is exclusion, but they're going to claim that the
policy is neutral because you're living in the zip code
that they have labeled as being high risk.
Speaker 14 (34:09):
I'm when listening to you, explain that as well. My
next question, which goes right to my next question, was
about how does this threaten special credit or special purpose
credit programs and why if you could make it clear
to those who are listening who may not understand why
those programs are essential to closing the racial wealth gap.
Speaker 2 (34:33):
Yes, so the special purpose credit programs were created designed
by Congress to counteract historic exclusion, so they help first
generation home buyers. They offer lower interest rates for folks
that have strong incomes, but their credit scores were suppressed
(34:56):
by systemic inequity. So these programs were created to close
the racial wealth gap. And if these programs go away,
we're going to see the racial wealth gap widen even
more than it is. So think of you putting it
in greater context. Martin Luther King gave a speech on
the March on Washington in the nineteen sixties, and at
(35:19):
that time, the racial wealth gap between black and white
people in the United States was eight to one. Today
it is twelve to one.
Speaker 14 (35:31):
Wow, that says something.
Speaker 2 (35:35):
And if these programs are eliminated, it's going to widen
even more than it is.
Speaker 14 (35:42):
This is happening at a time when many civil rights
protections are already being challenged. Why is this Why is
the timing of this proposal especially concerning?
Speaker 2 (35:55):
It is concerning because we're seeing a federal government that
is strategically dismantling programs and systems and regulations and in
some cases statutes that were enacted to prohibit discrimination and
(36:17):
try to get us that much closer to equity and equality.
Speaker 14 (36:22):
We're going to pause the conversation right here because what
Alfonso explains next gets into what happens after the policy fight.
He talks about where power still exists and how people
can stay engaged even after the deadlines have passed, and
why silence is exactly what these kinds of rollbacks depend on.
If you want to hear the rest of this conversation
(36:44):
and learn where you can go to get more information,
connect with advocacy efforts, and use your voice. You can
find the full interview on The Color Between the Lines.
You can watch it on YouTube, listen on iHeartRadio, or
wherever you get your podcasts, And if you want to
take action right now, you can also visit the Global
Black Economic Forum to learn more about this issue and
(37:04):
find ways to stay engaged. Because understanding what's happening is
the first step, but stay involved is how change actually happens.
I'm Esther Dillard.
Speaker 1 (37:16):
Thanks Esther and Alfonso David. So many black people would
love to own their own home, that American dream, but
here's the nightmare. Stats from the National Association of Realtors
show we trail white homeowners by almost thirty percent. But
there is a way to close that gap. The Black
Information Networks Vanessa Tyler explains, if.
Speaker 15 (37:34):
You think home ownership is never in your future, Techi
Home founder Booker T. Washington says, think outside the box.
In fact, he's giving a brand new home away Booker.
Welcome to the Black Information Network HIVNESSA.
Speaker 16 (37:49):
Thank you so much for having me.
Speaker 17 (37:51):
Let's just get this out of the way first.
Speaker 15 (37:53):
What's it like to have such a famous name?
Speaker 18 (37:55):
Well, I get asked that quite a bit, and yes,
I'm named after Booker Telfer or Washington.
Speaker 16 (38:01):
That's my full name, and.
Speaker 18 (38:03):
I wear it as just an honor and just a
way to continue to march and have something to look
forward to.
Speaker 16 (38:11):
The original Booker T.
Speaker 18 (38:12):
Washington accomplished so much, not just for himself but for others,
for this country, change the makeup in the way that
African Americans for sure sat an outlook on how they
could succeed and have a place in this world.
Speaker 16 (38:28):
And so my beginnings come from that yoke.
Speaker 18 (38:32):
My mother attended Tuskegee Institute, which is where some of
my namesake comes from, and having been born at the
university and in Alabama, I continue to just try to
march forward in a way to just make the name
problem well. I just think home ownership, just as a thought,
(38:53):
is something that is a right. It should be an
inedible right. We've had so many different rights. We've had
to fight for voting, color of our skin, being able
to sit in a restaurant in a restaurant at the
appropriate table, but we're also at war now for ownership rights.
Speaker 15 (39:12):
How are you thinking creatively about home ownership.
Speaker 18 (39:16):
Our innovation in the home ownership is to decrease the
home size, make available in these urban centers where people
of all ages and of all incomes can stay in
the neighborhoods that they're in and.
Speaker 16 (39:30):
Live in a dwelling and own a dwelling.
Speaker 18 (39:32):
Of similar size that they're already in. In Metro Atlanta,
which is where Teching Holmes is based, over four point
five million people live in an apartment and that average
apartment size is six hundred and seventy five square feet.
So we build micro homes to give people the innovative
choice and accessibility to purchase something of the same size
(39:55):
for which they're renting. And none of our competitors are
building micro homes. That is a way to tell us
that they don't want you to have the same access
Of all the five major home builders in the United States,
only five percent of what they build is under one
thousand square feet, but yet there are apartments everywhere under
(40:20):
a thousand square feet. So it can't be about housing
and a roof over your head to keep the rain
water off. There's a deeper thing at play, and it's
about accessibility, and that's what we strive for.
Speaker 17 (40:33):
And talk about the cost. How much do they cost.
Speaker 18 (40:36):
Our micro homes range in the metropolitan area from two
hundred and fifteen thousand to two hundred and fifty thousand,
and that's because the mortgage, the average mortgage, even at
today's interest rates, is only between eighteen hundred and two
thousand dollars. Now, when you can compare that to the
(40:57):
average rent in your urban area and pick any city,
you can pick Atlanta, Charlotte, Raleigh, Miami, La, Dallas, Houston,
any major city. The average rent in that major city
is over two thousand dollars. But we provide you a
footprint in a home of accessibility and affordability that doesn't
(41:18):
need you to change the amount of money you make
in order to get it. And that's what they will
tell you. They need you to change your whole financial
profile in order to achieve ownership. And that is the
character there for everyone to achieve, but you'll never really
achieve it in this new economy.
Speaker 17 (41:38):
Would you talk about the design of the home.
Speaker 18 (41:40):
Our homes are pretty luxurious if you think about what
luxurious is for a home and a home finish so
features of our homes, which is why we call Techi homes.
So we have a lot of smart home technology features.
We have appliances that are AI assisted. We have door
openers that read your palms as well as your fingerprints
(42:02):
as well as cold entry. We have smart ceiling fans
that reduce dust and dust layout within the home. We
also offer USB outlets and low wattage electricity to save
you on your electrical bills, increasing your savings as well
as all electric appliances. We create all of the liveable
(42:23):
space you would think you would get in a two
thousand square foot home, but you get it an eight
hundred square feet with fourteen foot lofted ceilings and three hundred,
one hundred and eighty degree decks in patio space. So
our homes feature outdoor living, indoor living, but we give
it to you in a top quality way where you
don't think that you're sacrificing livability in order to get affordability.
Speaker 17 (42:45):
Where are they located?
Speaker 15 (42:47):
I know you're in Atlanta right now, but where are
these homes located?
Speaker 16 (42:51):
Yeah?
Speaker 18 (42:51):
Absolutely so our first two communities, in our future communities
right now, we have a lot of them right here
in the metro area of Atlanta. Our first community, founded
South Park Cottages, was developed in College Park, Georgia, as
well as our second community in Union City, Georgia, which
Union City is actually Georgia's fastest growing suburb and it
(43:14):
is got twenty six luxurious micro homes plus the first
ever technology lab. It is the first ever developed mixed
use tech hub and residential area for a microhome or cottage,
and we're really excited about the history made there. But
it doesn't stop there. We have over sixty million dollars
(43:37):
worth of development in our pipeline as we speak today
over the next two years to develop out within cities
not just Atlanta, but also Florida, Jacksonville, Tampa, and as
well as in Texas.
Speaker 16 (43:50):
In Dallas.
Speaker 15 (43:50):
For many, home ownership is the prize. But I understand
you are about to make someone's holiday dream come true.
Speaker 18 (43:58):
We're going to give away home for the holidays as
part of our efforts with the Book t Project Foundation
for as little as twenty five dollars for a raffle
ticket for you to change you and your family's life forever.
Our home will be fully outfitted with all the televisions
(44:19):
and appliances and luxury updates. You just simply need to
bring a toothbrush and clothes because when you win this home,
you will instantly become worth more than a quarter million
dollars in value, because that's what the home is worth,
and it will be deeded to you free and clear
when we give it away on Christmas Eve. You have
(44:40):
to be over twenty one years of age. You cannot
make more than one hundred thousand dollars a year. The
awarde will have to verify their income. You have to
be an owner occupant, so it is not eligible for
you to lease or rent or have as an investor,
(45:01):
and you cannot sell it for three years. And the
website is the bookert dot com. You can go there.
It is a national raffle. Only thing required is that
you're twenty one years of age, you're willing to live
in the home for at least three years, and that
you understand that the home is in Union City, Georgia,
(45:23):
which again is just five minutes from Atlanta Airport and
fifteen minutes from downtown Atlanta.
Speaker 17 (45:29):
Booker T.
Speaker 15 (45:29):
Washington, founder of Techi Homes, thank you for finding a
new way to bring generational wealth.
Speaker 18 (45:36):
But as has been such a pleasure. Thank you so
much for this opportunity. And again, please please please be
listening the bookert dot com again the bookert dot com.
Visit it tomorrow the Raffle Ghost Live. It's going to
be available for you unlimit it until Christmas Eve. And
again you can always visit out what we're doing at
(45:57):
Techihomes at techihomes dot com, our Instagram at mister Booker T.
If you want to reach out and look at some
of our socials. So again, investment, Thank you so much,
and happy holidays to you. And hey, you know, put
in that raffle. It might just be your chance.
Speaker 15 (46:16):
I'm Vanessa Tyler with a black perspective. Mike, back to you.
Speaker 1 (46:20):
Thanks Vanessa and Booker T. Washington. Now we get a
commentary from James T.
Speaker 16 (46:24):
Harris.
Speaker 10 (46:25):
The opinions, beliefs, and viewpoints expressed in this commentary are
those of the author and do not necessarily represent those
of BI N and its founding partners and employees.
Speaker 19 (46:36):
I'm James Harris, and I have something to say. Fannie
Willis just confirmed exactly what the scandal has always been about. Corruption, arrogance,
and zero accountability. When confronted with documents showing her office
paid hundreds of thousands of taxpayer dollars through her romantic partner,
Special Prosecutor Nathan Wade, she didn't deny it. She didn't
explain it, she didn't justify it. Instead, she pulled the
(47:00):
race card, claiming critics should be investigated for using racial
slurs against her.
Speaker 5 (47:06):
Do you want something to investigate as a legislature.
Speaker 6 (47:08):
Investigate how many times they.
Speaker 15 (47:09):
Called me the ND word?
Speaker 8 (47:10):
Why don't you investigate that?
Speaker 17 (47:11):
Why don't you.
Speaker 5 (47:12):
Investigate them writing on my house?
Speaker 17 (47:13):
Why don't you investigate the fact.
Speaker 15 (47:15):
That my house has been swatted?
Speaker 4 (47:16):
If you want something to do with your time, that
makes sense, and you can use all this in your campaign.
Speaker 5 (47:20):
At you taxed Fannie Willis, What have you done, sir? Nothing?
Speaker 19 (47:24):
That is not a defense, that's a deflection. This isn't
about race. It's about public money, abusive power, and a
prosecutor who thought she was untouchable. Georgia taxpayers were not
funding a social justice seminar, they were funding a prosecution,
and instead they got a personal piggybank. And here's the
real tale. When the facts catch up, the left doesn't
(47:46):
argue the facts, they change the subject. Fannie Willis didn't
stand strong. Now she crashed out. And now the real
question isn't political, it's legal. How much did she know?
How much did she approve? And who's finally going to
hold her accountable? And let's be clear, invoking racism to
shield corruption doesn't protect the black community. It exploits it.
(48:09):
Every time a powerful official hides behind race instead of
answering for misconduct, they cheap and real claims of injustice
and insult every law abiding citizen who plays by the rules.
This is encouraged its cowardness, and the American people are
done letting accountability be shouted down by accusations designed to distract.
I'm James Harris for the Black Information Network.
Speaker 1 (48:29):
Thank you, James T. Harris, and make sure you tune
in to the Black Information Network daily for commentary from
both Roland and s Martin and James T.
Speaker 16 (48:37):
Harris.
Speaker 1 (48:38):
Today, Doug Davis returns with Your Black Business and his
new segment titled Let's Build Wealth. His four part series
inside the segment is called Insurance Makes You Rich.
Speaker 16 (48:48):
But Doctor the.
Speaker 1 (48:49):
Lay Thatch Doug take it away.
Speaker 2 (48:51):
Hey, thanks Mike.
Speaker 3 (48:52):
We are back with our series title Let's Build Wealth
and our focus on closing the racial wealth gap through
financial literacy. Last week ticked off the series with our
first of four part discussions called Insurance Makes You Rich.
We're contributor to Doctor Thela that spoke about how we
should change our perspective on life insurance and how it
can build generational wealth. Today, in part two, Doctor Thatch
(49:14):
of returns to expand on how black employees can leverage
company insurance in four to one case. Welcome back, Doctor
Thiela Thatch, thank you for having me.
Speaker 20 (49:23):
Thank you so much, and I'm so excited again to
talk about building wealth.
Speaker 3 (49:28):
Absolutely in last week's conversation was invigorating. I took a
lot of notes myself. But today we're talking about, like
I said, leveraging your company's insurance and forour O one
case to build generational wealth. How can black employees better
understand and maximize the benefits of companies sponsored insurance programs
like health, life and disability insurance to protect their families
(49:51):
and build wealth.
Speaker 16 (49:52):
As we said, one of.
Speaker 20 (49:53):
The things I'd love to talk about is the benefits
that you received from your day to day job. So
as black people, we work hard all the time, and
we're working for these nine to five jobs. Sometimes some
of us are making a minimum wage a little bit
above minimum wage. But the one thing that we do
have at most of the organizations we work for our benefits.
(50:17):
So the four to one K is a tax advantage
retirement account that lets you put money aside directly from
your paycheck. And what you need to know about that
is that is what rich people do. They put pre
tax dollars aside in that way, they save money. So
I love to tell you more about that too.
Speaker 3 (50:39):
Wow, that's pretty powerful. Now I understand that some folks
can take their four to one K and take some
of that money and put it into other opportunities to
grow wealth outside of what the company is offering.
Speaker 20 (50:53):
So basically, the four to one K it's a little
more powerful than a savings account, and so it falls
under these IRS regulations called the Section one twenty five plan.
And so I don't want to get too complicated, but
I want you to be familiar with the vocabulary because
the Section one twenty five plan is regulated by the IRS.
(51:15):
So the four one K is a very powerful wealth
building tool, and if you use it correctly, you can
take money out of the four one K, you can
borrow from the four one K, and if you're with
an organization that matches the money that you put in.
So let's say for every dollar you put in, you
(51:35):
might have the company put in fifty cents, So at
any given time, for every dollar you have, you're getting
fifty cents added to that dollar.
Speaker 8 (51:44):
That can add up really quickly.
Speaker 20 (51:46):
So now that money can be used, based on the
IRS regulations, to purchase a home, to take out a loan,
and you can also transfer that money to your children,
in your partner or your estate. So that means when
you have a four to one K, you're not leaving assets,
you're not leaving bills, but you're leaving money to the
(52:09):
next generation.
Speaker 16 (52:10):
That's right.
Speaker 3 (52:10):
Absolutely. Now there are penalties when you pull out your
money from your four oh one K, and it's not cheap, correct.
Speaker 20 (52:16):
Oh, yeah, there can be penalties, and it depends on
what and how you're using the four to one K plan.
So in general, even though there are ways to take
the money out, if you do an early withdrawal penalty
before age fifty nine and a half, you can face
a ten percent early withdrawal penalty, So you don't want
(52:40):
to lose that money in penalties. However, if you're in
a bind or if you have an opportunity that is
a once in a lifetime opportunity and your risk taker
like me, a penalty of three thousand dollars is nothing
compared to gaining one hundred and fifty thousand dollars. But
for the most part, we're talking about property, and we're
(53:01):
talking about for one ks, they typically grow, so it
is a great opportunity because the other opportunity is to
have a savings plan that practically makes no money at all. Basically,
four to one K is meant for a long term
wealth because the IRS protects it. Most of the four
(53:23):
one K plans have free financial advisors.
Speaker 8 (53:27):
If you call them, they'll give you some type of advice.
Speaker 20 (53:30):
And there's just lots of you know, we got YouTube
university out there, so there's no excuse you. Of course,
you can reach out to me atla at thladash dot com.
There's just a lot a lot of information out here.
Now there's no reason that you can't save money. So
you know, it's a lot of resources out there to
educate you and the best way to use.
Speaker 8 (53:50):
The forur one k.
Speaker 3 (53:51):
Right, speaking of that, how can black employees kind of
navigate and negotiate employee benefits to ensure that they're getting
the most out of the company insurance and retirement plans.
I mean to know, you spoke about if your employer
is you know, matching some of your you know what
you're putting into it. But are there any other ways?
Speaker 8 (54:06):
Well, yeah, that's a big yeah. There's a lot of ways.
Speaker 20 (54:09):
And so anytime you can get medical, dental, vision and
supplemental policies and insurance through your employer.
Speaker 8 (54:17):
That is a win win win.
Speaker 20 (54:19):
And you want to look at you know, preferred providers
or health maintenance organization.
Speaker 8 (54:25):
So when they say HMO, that's a.
Speaker 20 (54:27):
Health maintenance organization and the PPO is a preferred provider organization.
Short version PPOs are when you can kind of you
get all the bells and whistles. HMOs to me are
like a clinic, Like you go into the clinic, but
you get the bare minimum. And usually HMO's good for
people who are in there. You know they're young, even
(54:50):
though not all young people are healthy, but people who
don't have a lot of health issues. So those are
two things you need to know. Then what you really
really need to pay attention to. Most organizations will offer
you life insurance benefits for free with no cost to you,
and you usually will get one time your salary, but
you can also elect do two times. So let's say
(55:11):
you make one hundred thousand dollars a year and you
click that two times box, so that three times box
you've clicked it three times of insurance box. That means
your beneficiaries will get three hundred thousand dollars in the
event of your death. Usually it's about three six dollars
extra a month. It's understanding these principles that will help
you save money and also provide generational wealth for like
(55:35):
decades and centuries.
Speaker 16 (55:37):
That's right.
Speaker 3 (55:38):
Final question, what kind of resources or strategies do you
believe black employees can seek to educate themselves and their communities,
their family, you know, loved ones, friends, about leveraging workplace
benefits for long term financial growth.
Speaker 8 (55:51):
Well, there's so many resources out here.
Speaker 20 (55:53):
There's you know, there's a lot of different agencies that
are within I know, the LA community, for example, we
have the Community develop Development Financial Institution which is the CDFI.
And although it's not exactly for employees, it might be
for employees who are looking.
Speaker 8 (56:12):
To start their own business. We have the SBA.
Speaker 20 (56:15):
There are a lot of communities out here and grants
and money that have been set aside to educate black
people on how to save money. And I could probably
give you a list, Doug of.
Speaker 8 (56:30):
Some of those communities.
Speaker 20 (56:31):
But to keep it real simple, inside your inside the business,
they have you have benefits, right, and the benefits include
typically an employee assistance program. I will say again, Employee
Assistance program EAP is almost always attached to any benefit
(56:52):
like a kaiser at United Healthcare. Ask your employee about
your EAP. It is a need for our seven confidential
offering that I call me. Trust me, if you don't
have it, I'll be shocked. So call me if you
don't have it. But why am I telling you about
this because in the EAP they typically have free legal counseling,
(57:15):
free financial counseling, free therapy, free.
Speaker 8 (57:20):
I grew up on the EAP. Okay, I raised my
kids on EAP. My kids were having problems, I called
the EAP.
Speaker 20 (57:26):
I have problems with you know, I look on how
to manage my money, I call the EAP. This is
a service that is most people, most hr people truthfully
don't tell you about this, but it is a part
of most likely your medical plan. So that's to me,
the biggest secret that black people don't know about and
(57:49):
say with me. EAP Employee Assistance Program which is almost
always a part of your current benefits, but you may
or may not know about it, and as always has
a financial planning component that's free for you.
Speaker 16 (58:05):
Yeah.
Speaker 3 (58:06):
That's uh, that's very very amazing. I appreciate you, Doctor Fach.
Can you share your information to our general audience. Are
you on Facebook LinkedIn?
Speaker 8 (58:15):
Of course I am.
Speaker 20 (58:16):
I am on Facebook, LinkedIn, every social media and I
just started a new program through school dot com s
k o O dot com and.
Speaker 8 (58:25):
So please chat GPT me at.
Speaker 20 (58:28):
T h E l A l A Thatch. If you
were to go to chat GPT, you can find me there.
My email is FLA at thla thatch dot com.
Speaker 8 (58:39):
And I have a new product out called missus HR
and the box dot com.
Speaker 20 (58:43):
You can find me at missus m R s h
R dot com.
Speaker 3 (58:48):
All right, Doctor Fatch, thank you again for sharing your
knowledge with the bi N. We'll be back with our
series Let's Build Wealth in twenty twenty six with Doctor Thatch.
You're listening to the Black Perspective only on the Black
Informing Network. I'm Doug Davis.
Speaker 1 (59:01):
Thank you Doug and doctor Thatch, and that's our program.
Speaker 2 (59:04):
For this week.
Speaker 1 (59:05):
For more on these stories, listen to the Black Information
Network on the free iHeartRadio app or log onto Bionnews
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(59:28):
Information Network and on X and Blue Sky at black
Info Net. And make the Black Information Network first on
your car radio and iHeartRadio app presets. I'm Mike Island.
Have a great Sunday and Merry Christmas. We'll see you
next week right here on the Black Information Network
It's Sunday, December twenty first, twenty twenty five, the Sunday
before Christmas, and on today's show, The Black Information Networks,
Ester Dillard talks to attorney Alfonso David about concerning legal
challenges that the Black community should know about going into
twenty twenty six. B i In's Morgan Wood talks to
Sanita Hill from Peace on pet Tuxent, a home and
(00:20):
day retreat established for women fighting life level and cancers.
Vanessa Tyler talks to founder of Techy Holmes Booker T
Washington about how you can live the American dream of
owning a home.
Speaker 2 (00:31):
Doug Davis is.
Speaker 1 (00:32):
Back with doctor the lay Thatch, hr consultant, diversity expert
and former chief Diversity officer at Live Nation Entertainment about
how we can create generational wealth in twenty twenty six
and beyond. And we get commentary from Roland Martin and
James T.
Speaker 2 (00:47):
Harris.
Speaker 1 (00:48):
These stories are coming your way. On today's program, Welcome
to the Black Perspective, I'm your host, Mike Island.
Speaker 3 (00:55):
Welcome to the Black Perspective, a weekly community affairs program
on the Black Day Information Network featuring interviews and discussions
on issues important to the Black community.
Speaker 1 (01:05):
Good Sunday and Merry Christmas and welcome to the Black perspective.
The Black Information Networks. Morgan Wood spoke with Canita Hill
from Peace on Patuction, a no cost respite home and
day retreat established for women fighting life leveling cancers. She
shares her story and how Peace on Patucxent came to be.
Speaker 4 (01:22):
Morgan would on the Black Information Network and joining me
right now is Canita Hill. She's the founder and CEO
of Peace on the Protuccent and a twenty twenty five
speak Sell Shine on Aree. Thank you for the work
that you're doing and for sharing your peace and time
with us today on the Black Information Network.
Speaker 5 (01:42):
We really appreciate it.
Speaker 6 (01:43):
Thank you, Thank you for having me. It was a
wonderful opportunity and I enjoy your show. So thank you
so very much.
Speaker 5 (01:50):
Absolutely so let's jump into the conversation.
Speaker 4 (01:52):
Sanita talk to me about Peace on the Protuccent though
for those who may not know what it is, in
hired you to start it and what's.
Speaker 5 (02:02):
Your why behind the mission?
Speaker 7 (02:05):
Wow? Great, that's a great start.
Speaker 6 (02:07):
So Peace on Patuxent is a resped home for women
diagnosed with life leveling cancers. We're located in Laurel, Maryland,
and I tell everyone that we're at the apex between
all of the counties because we serve the state of Maryland,
Northern Virginia, and DC. So we sit right at the
apex where all of the counties come together, Howard and
(02:29):
Arundo and all of those counties. I think it's four
counties come together. What started me to what caused me
to start peace on Patuxent was my mom. My mother
was diagnosed with lung cancer and we're getting ready to
go into Lung Cancer Awareness Month, which is November. So
my mother was diagnosed about I want to say almost
(02:52):
twenty years ago. She was diagnosed with lung cancer. At
the same time I was diagnosed with MNGUS, which is
a precursor to multiple maloma, which is a blood cancer.
So doing it process during that diagnosis, I sort of
took my diagnosis although I was being seen by an oncologist.
(03:16):
I sort of took mine and sort of stuffed it
in my back pocket because what was more imperative was
that my mom was that I helped my mother with
her journey. Her journey to me was more critical, and
in that I saw I was able to get exposure
to the services that were available and the ones that
were not. I was able to see what was being
(03:37):
offered to women of color and women who were diagnosed
with lung cancer in that In that process, I saw
that the services were NIIL one for women of color,
one for women of color, two for women who were
south of the Beltway when it came to our area
(03:59):
to being a DMV area, and then three two women
who were diagnosed with lung cancer. That was the most
disturbing portion for me because being here in the metropolitan area,
why isn't a woman who's diagnosed with lung cancer, Why
isn't she just as important as a woman who's diagnosed
with breast cancer? And why aren't we raising the banner
(04:21):
for that? So that sort of got me into becoming
a champion for cancer, getting involved into the community, what's
available with services are out there, and so that started
me into the journey. Of course, my mom ended up
transitioning and fifteen sixteen sixteen months, sixteen fourteen months later,
(04:46):
my best girlfriend, who helped me through my journey with
my mom, she transitioned also from lung cancer.
Speaker 7 (04:53):
So I was just done.
Speaker 6 (04:55):
I was done, devastated, and again I knew what was
out in the market, get what was on the market
for the women. Later in life, I thought it was
time to retire and do something different. And I believe
that the spirit spoke to me and told me that
I would do peace on Patucxin. I was my charge
(05:15):
is to open peace on Patuxin. I had done all
the leg work to open it, and so peace on
Patexing has now. I opened it from my residence. It
is now peace on Patexting. I tell everyone I'm squatting.
This is where women come and decompress. My mother loved
the garden. So we have a two day retreat that
(05:36):
is at no cost, and we have a meditation garden
where they can come and safe, where they can come
and visit for one day or half a day and
participate in the activities that we provide. And that way
it allows a woman to take a moment just to
determine how she wants to run her journey, without any doctors,
without it, her family, just by herself, to think about
(05:58):
her journey specifically, because as she matters.
Speaker 4 (06:01):
I'm so sorry to hear about your best friend and
your mother, but I am just applauding you on the
work that you're doing and the fact that you were
so inspired by what was going on with them. But
then at the same time you know that level of
resilience for yourself because you had your own diagnosis to
deal with. Now, the work that you're doing sits at
(06:23):
the intersection of nature, healing and community.
Speaker 5 (06:27):
How do you see that?
Speaker 4 (06:29):
Specifically the Protuccent River as a space of restoration and healing.
Speaker 7 (06:37):
So the Protuccent River sits across We don't sit on
the river, but it is across the street. So if
a woman was to visit, she can come.
Speaker 6 (06:45):
And walk down to the river. But the healing for
peace on protection the actual property one. I will say
that it is ordained. It is nothing that we do.
There is no magic. It is where we tell people
where the magic happens. It's something about a community of
women that comes together who look alike, understand each other,
(07:05):
understand the cancers, and that they have never had a
moment to stop and think about themselves. It has always
been about them. Usually, when a woman is diagnosed with cancer,
she's told that she has choices. From the doctor's office
and the family. We told them that they have choices,
but in actuality they do not. We have already made
(07:28):
their choices for them.
Speaker 2 (07:29):
You will go through.
Speaker 7 (07:30):
Pre chemotherapy, you will go through radiation, you will go
to these doctor's appointments.
Speaker 6 (07:36):
But here at a piece of unprotuxant we don't have.
It is just devoid of all of that. It just
honors them as a woman. We allow them to come.
But if a woman comes to stay or selected to
stay overnight, we provide transportation. Not just transportation, we provide
(07:56):
a limousine door to door anywhere in this of Maryland,
and then the DMD we provide a limousine. When she arrives,
there's a red carpet that awaits her. She is crowned
and she is pampered from the beginning to the end.
That in itself allows a woman to just what we've
heard and many other women who've come through the property,
(08:20):
It allows them to honor theirselves, each other, and it
allows them a place to just not feel to a
safe place where they can really expose themselves and their emotions.
Many say that they've never even had a moment to
cry until they get to peace on the Tuxan.
Speaker 4 (08:39):
I absolutely love that many of your efforts and center
around women's empowerment and that mental wellness factor. Can you
talk to me about what that means to have that
mental wellness factor, to be crowned, to roll out the
red carpet, to just feel like a queen for the day,
to be able to say, you know what, it's okay
(09:00):
to cry. Can you talk to me about how that
impacts of some of the patients that come through your program.
Speaker 6 (09:07):
Yes, because I'm a daughter and that as I said earlier,
I'm a daughter and I had total you know, I
wanted to take my mom and she would go where
I said, never mind. She had five days of appointments,
an appointment every day, and it hasn't changed. The process
hasn't changed. But you have you have an appointment every day,
(09:27):
You have an expectation every day. But here there is
no expectation. They are just allowed to be. I always
go to the other side that she's not just a woman.
She's most times she's a mother, a sister, a daughter,
a coworker. So she has all these other responsibilities, a wife,
(09:49):
all these none of those things stop because she is
diagnosed with cancer. What happens is that we allow you
to come here and you're none of those things. You're
just a woman, you're beautiful and your crown and you're
here among sisters, among people who see you. Our staff
is invisible, so we're not even engaged. This becomes their space,
(10:12):
their home, their time. The only thing we do the
staff does here all volunteers is serve them breakfast, lunch,
and dinner. Other than that that this space is their space,
so it really becomes their home, their space for two
days or for the day.
Speaker 4 (10:31):
Peace can mean, and I mean peace on protuction. Peace
can mean different things to different people, especially in today's climate.
It's a lot going on. How would you help people
define and experience peace for themselves through this program? I
mean they might come in and they may not know
what to do, and you say, hey, you can just
be well what would you suggest?
Speaker 7 (10:55):
Right?
Speaker 6 (10:55):
And that is it many times, just coming here first
of all them for trusting me, for trusting peace on
the tips and I think the loved ones all of
the whole process. Because there are anxieties that women that
we carry and I'll say we own it that we
carry just when you're just because you're you know, when
(11:16):
you're diagnosed, but because you're in remission doesn't mean that
it's over.
Speaker 7 (11:20):
You're always wondering in the back of your mind.
Speaker 6 (11:23):
You know, the chatter, the noise in your head is
always there. What is happening? When is it going to
come back? Each doctor's appointment. It's there for me and
for us here at peace on Protuxant. It's just a
place where you can silence the noise. It's just where
you can just silence the noise. And that's the piece.
Speaker 5 (11:44):
I love that.
Speaker 4 (11:45):
So we are living at a time where community healing
feels both urgent and difficult. There are challenges there. So
what have you learned about bringing people together across differences
or divisions.
Speaker 6 (11:59):
So even though you bring them across the differences and divisions,
when they the one commonality is they're women and that
they're diagnosed with cancer. It doesn't matter where they are
in their journey, if they are well enough to come
to the property. They have to be healthy enough to
be on their own and independent to show up. Is
(12:22):
your one commonality that is that surpasses anything, is that
you and I or she and the next.
Speaker 8 (12:31):
She they have cancer.
Speaker 6 (12:34):
Yeah, that alone just gives them conversation. That is the
community right there, and that someone saw me and felt
that I was worthy enough to take the time and
say I'm gonna just come and just let me take
care of you for a moment.
Speaker 4 (12:52):
That's I love that we're speaking with Canita Hill, founder
of Peace on Protuxent, and she's also a twenty twenty
five Speak Cell Shine Honorey. Let's talk about that for
just a moment. You were recently honored as a top
Women's Issue Honorey at doctor Pam Perry's twenty twenty five
Speak cell Shine Awards.
Speaker 5 (13:13):
First of all, congratulations to you. I can see why
you won.
Speaker 4 (13:17):
But how does that recognition feel and what does this
represent for you?
Speaker 7 (13:22):
Oh?
Speaker 6 (13:22):
My goodness, gracious it has. It is phenomenal. First of all,
Speak cell Shine. I could not praise it enough for
the exposure that it is given Peace on Protext, for
the exposure that it has given me as a business woman,
because on the other side, I'm a businesswoman. I have
a consulting firm to teach teach corporate and individuals how
(13:45):
to reclaim. I'm using my reclaim method how to move
from from confusion and to clarity, from confusing to clarity.
So that is but that is, that is what speaks
sell shine did. It gave to all of that, and
although I had the the it just went right out
(14:08):
the ones of all the I have the consulting firm.
What it did was it allowed me to bring a
voice to peace on protuxant even though the consulting firm
is here. Peace on protuction is impact, and I believe
that leadership is impact. How can we find impact? We
all want to do something, but what is it and
(14:30):
what impact do you want to make? So I could
show in real time, real life, here's what or not
here's what a consulting firm does. But here is the
impact of it, and it is measurable and it makes
the difference in the life in lives not only of women,
but also of the children and the family that they
(14:51):
go back to. That just makes a big difference. So
speak cel Sean gave so much attention to that by
being a part of those professionals, because we were all professionals.
Speaker 7 (15:05):
Being a part of that group of professionals. Doctor p.
Speaker 6 (15:10):
Perry can't speak enough about this whole cohort that we
joined up for.
Speaker 7 (15:15):
Can't speak enough about it.
Speaker 6 (15:17):
It is it just elevates you, even just on the inside.
I can tell you, it elevates you on the inside.
You meique wonderful people.
Speaker 5 (15:25):
That's right where we met, that's why we met. That's right.
Speaker 6 (15:28):
We met wonderful people just wanting to do great things
and who are succeeding in life.
Speaker 7 (15:35):
That is something that is a lot.
Speaker 4 (15:40):
Now, as someone Sanita who pours into others, how do
you stay centered and grounded? What's does your own peace
practice look like day to day? I mean, you're helping
these people, they have their challenges.
Speaker 5 (15:52):
What about you?
Speaker 6 (15:55):
So I have committed I, since going through this, I
commit to taking space every three months. We so every
three months there is a break for Sanita. Oh, she
has to take a break, whether it is somewhere in
a bed and breakfast by myself, or whether it is
(16:15):
somewhere on the beach or somewhere out of the country.
Every three months, I must honor myself and take a break.
And I must stand in my truth, which is honoring
women who are diagnosed with cancer.
Speaker 7 (16:32):
That is part of it.
Speaker 9 (16:34):
I can talk about my consulting firm until you know,
until the day is over, but in there I must
also honor peace on protection because that is the work
that I was called to do.
Speaker 4 (16:46):
Speaking of that work. From your perspective as a woman's advocate,
what do you see as the most pressing issue facing
women right now and how can community or media voices
like myself help to address it.
Speaker 6 (17:01):
Well, One, we need to let women know that they
are not alone. There is a place Peace on Protection
wwws that Peace on Protection dot org. Support Peace on Protection.
Educate women that there is a place that they can
go and that she matters. I want to say we
could ease up off of them, give them some grace,
(17:21):
you know, as daughters and and and and so and
the like. Peace on Protection is the best gift any
woman could get because it is at no costs now
the organization. The best gift we can get is donations. Support.
The donations, support, sponsorship, airtime to continue to talk about it,
(17:43):
speak speaking, engagements, and on and on. I can say,
talk to your local delegate so that we can get
written in some of these grants and these bills.
Speaker 7 (17:54):
But that is how we can support.
Speaker 4 (17:58):
Tell me the website one more time before I get
into my next question.
Speaker 6 (18:02):
Www pe www dot Peace on Protection dot org.
Speaker 5 (18:08):
Nice.
Speaker 4 (18:09):
Now, looking ahead, what would you say is next for
Peace on Protection? Are there any upcoming initiatives, partnerships or
goals that you are excited to share with us.
Speaker 6 (18:20):
Absolutely, we are going to partner with the University of
Maryland Maryland University to bring an interns to help us
with the data processing data fundraising campaigns. The City of
Laurel is always our biggest, biggest champion, so we are
always partnering with them. We just did a piece from
(18:42):
conversations in the community. Nice and who's the next partner?
So we have to do Law? I think that's the
one I can think of, right quick? Oh, that's all right,
City of Law and University of Maryland.
Speaker 4 (18:55):
Yes, yes, And and for Sanita almost get into your
business a little bit.
Speaker 5 (19:01):
What's the what's coming up next? For Sanita?
Speaker 7 (19:04):
What's all that?
Speaker 9 (19:05):
Was it?
Speaker 2 (19:05):
So?
Speaker 7 (19:06):
And and piece on potexing. Will be launching a book. Okay,
we are launching a book.
Speaker 6 (19:12):
And every year but now I got it. Every year
in May we do a high noon t The book
will be unveiled and for sale at the high Noon
t so book of poetry that we've decided to release
from the experiences that we've gotten here at Peace on
Protection and our ambassadors are actually behind it, so they're
(19:34):
they're back there doing their work. And our ambassadors are
women who had been through Piece on Potoxic or Believe
in the mission. That is a book that they're going
to be releasing in May of this year.
Speaker 5 (19:45):
Can you talk to me, Oh sorry, go ahead.
Speaker 7 (19:47):
No, no, no, go ahead, I'm thoughts.
Speaker 5 (19:49):
No, no, finish with your finish your thought.
Speaker 6 (19:53):
It'll be released in May, and I t and and
that will be. That's that's awesome. That's all I.
Speaker 5 (19:58):
Got, No no worries.
Speaker 4 (19:59):
Okay, talk to me about some of those ambassadors, someone
who may have come through the program up to share
one of their success one of your success stories with me.
Speaker 6 (20:08):
Oh my gosh, the ambassadors. I want to say, my ambassadors,
the ambassadors are awesome. They are such awesome women who
have been through the program. Now I can do this
program justice and talk about these patuxon, but they live it,
they have experienced it. And what I have heard the
common thread was that they pause. It was the pause.
(20:32):
It was the pause that didn't require them, many of
the women, it didn't require them to weigh in, it
didn't require a doctor's referral, it didn't require another medical
anything connected. It was just that they are Now, these
women have now come together because it's about it is
(20:54):
about forming community. They have now formed their own ambassador.
We have the Ambassador program, which is a actual program
they go out into the community. And so from that
we decided to, as I was saying, release this book
of poetry.
Speaker 7 (21:10):
From all women.
Speaker 6 (21:11):
So they are just behind the scenes doing the work
with cancer, still running their journeys.
Speaker 5 (21:17):
I'm amazing, proud of them, amazing.
Speaker 4 (21:20):
Yes, is there anything that I didn't ask you that
you may want to touch on today?
Speaker 6 (21:26):
You did ask me a question and I ring right
back over the piece on potest and you asked me.
What's next for Sanita M Hill consult I also will
be releasing a workbook which is Reclaimed One, the Reclaimed Method,
that will be coming out in the coming months. I
think we're going to release a teaser and it's on
my website Sanita M Hill Sanita m Hill Consulting dot com,
(21:50):
and that's where I'll be releasing the workbook that compliments
the tool the free toolbook, the Free tool Guide on
our website for a reclaim which and the acronym for
reclaim is research, engage, communicate, listen, apply, integrate and mentor
(22:12):
because I do believe in mentorship and I want I
believe that once you do all of that with things
that we have we already have in our lives, then
you can make an impact. And the impact for me,
as I shared earlier, was opening up Piece on Protection.
I thought it would be something, you know, I had
(22:33):
my own thoughts on what I should do, But when
I went back and listened to the voice of what
I would call my God, it was reclaim. It was
the reclaim helped me to get to asan protection.
Speaker 5 (22:46):
Amen to that.
Speaker 4 (22:47):
Now, before I let you go, please once again share
your websites with us and let us know how we
can continue to follow all of the amazing work that
you do.
Speaker 7 (22:57):
Great.
Speaker 6 (22:58):
Yes, you can follow Sanita Hill at Sanita Elmhill Consulting
dot com. And you can follow a Piece on Protection
and apply Piece on Protection at peace on protectin ba
dot org. Either way you are going to find Sanita
elm Hill. You can even just google Saneeda M.
Speaker 7 (23:14):
Hill.
Speaker 6 (23:15):
I'm the only one out there you can. You can
reach me and you can continue to follow. We're giving
coming into giving season. We know that Giving Tuesday is coming.
We will have some we actually in the coming year.
Next year we plan to always have our tea, so
we'll be on the lookout for the I say, be
on the lookout for our annual high noon tea, which
(23:36):
is always in May, first week in May. And then
we're going to have our first as we turn five
years old. Next year, we're going to have our first gala.
So we are we are just getting ready to do
some great things. And did I mention and I think
I think we're having a social this year, So yeah,
we have some great things on the horizon.
Speaker 7 (23:55):
I'm excited. Books and gables.
Speaker 4 (23:59):
Yes, like you've got your hands pretty full with Peace
on Patuxent and you're doing amazing work. Again, kudos to you,
and I salute you and applaud you for the work
that you're doing, especially regarding women and their cancer diagnosis.
I mean that right there is just amazing and to
be admired and you should certainly be proud of yourself
(24:20):
for that. So I hope you are getting your flowers
for the work that you're doing. Sanita Hill, founder and
CEO of Peace on Patuxent and A twenty twenty five
speak cell shine, honoree, thank you so much again for
the work that you're doing and Thank you so much
for speaking with us on the Black Information Network.
Speaker 1 (24:38):
Thanks Morgan and Canita Hill. Now we get commentary from
Roland S. Martin.
Speaker 10 (24:42):
The opinions, beliefs, and viewpoints expressed in this commentary are
those of the author and do not necessarily represent those
of b N and it's founding partners and employees.
Speaker 5 (24:54):
Now it's time to bring the funk with Roland S. Martin.
Speaker 11 (24:58):
White farmers in America vota for don't try up in
the huge numbers. Now they are crying. So Trump is
now putting up a twelve billion dollar bill out program.
Remember how this worked the first time. John Boyd, President
National Black Farmer Association, I talked to him about this
issue on Roland Martin unfiltered.
Speaker 12 (25:17):
Trump gave out thirty billion dollars under his first term
as president.
Speaker 8 (25:22):
He bailed out the farmers.
Speaker 13 (25:24):
And he tried the same card that he's tried right now,
the tariff that's with China. Roland, do you know some
of swy beans for sixteen dollars and eighty cents of
bushel When Trump came in the first time, the price
dropped all the way down to eight dollars.
Speaker 12 (25:40):
A bushel, and at some point lower seven dollars of Bush.
Speaker 11 (25:44):
Hit wow, cutting cup my more than half.
Speaker 12 (25:47):
Fifty percent and a half. And white farmers keeps saying
they are voting for Trump. They voted for him three
times because he's good on agriculture. Do you know who
is president? When I was selling soy bins for eighteen
dollars in some chain, he throw and take one, guess
Obama Biden Barack Obama twenty twelve. The highest prices in
(26:09):
US history was under a black president. His name was
Barack Obama, and I hope it spread across the internet
like wildfire. So the president sold out white farmers for Argentina.
He gave them forty billion dollars. Yes, and then they
turned around and started selling so it beans to China.
Speaker 2 (26:28):
So they took the.
Speaker 12 (26:29):
Money, and they took our contract and all of that stuff. Rodan,
the president got played and then white farmers, as you know,
for the first time. But now you're forty two years Roland.
I've never seen white farmers on every network.
Speaker 11 (26:44):
Lots of orange tears on those networks. But John Boyd
does say to black farmers, still apply for this relief.
Don't sit out. If they reject you, let him know,
but do not sit it out. I'm Roland Martin on
the Black Information Network.
Speaker 1 (27:02):
Thanks Roland, and stay tuned for commentary from James T.
Harris later in today's show. While everyone was concerned about healthcare,
grocery prices, and trying to balance everything through the holidays,
quietly there has been a legal challenge that some lawyers
say could be devastating for Black Americans who want to
buy a new home or start a business. Attorney Alfonso
David spoke to The Black Information Network about it and
(27:25):
breaks down the details.
Speaker 2 (27:26):
They're proposing a role that would weaken enforcement of fair
lending laws, and that's going to make it significantly harder
to challenge discrimination in credit and more the lending.
Speaker 14 (27:40):
In this edition of The Color Between the Lines, we're
speaking with Alfonso David, one of the nation's most foremost
civil rights attorneys and the president and CEO of the
Global Black Economic Forum. In this conversation, we break down
a proposed rule from the Consumer Financial Protection Journal that
could quietly we can protections against discriminatory lending, opening a
(28:03):
door to what many experts are calling modern day redlining.
We'll talk about what this rule means for everyday consumers
like entrepreneurs, first time home buyers, and why this moment
matters at a time when civil rights protections are already
under pressure for people just learning about this, What is
(28:24):
the CFPB proposing and why should everyday consumers be paying
attention to this?
Speaker 2 (28:31):
Still the consumer CFPB, if you will, which is a
consumer Financial Protection Bureau, it's a federal agency that is
proposing a rule. They're proposing a rule that would weaken
enforcement of fair lending laws, and that's going to make
(28:53):
it significantly harder to challenge discrimination in credit and mortgage lending.
So what I often say to folks when they're asking
about this and what does it really mean, is think
about redlining right from the nineteen thirties, where the federal
government and some private actors went through a process of
(29:18):
essentially redlining black and brown neighborhoods. And this practice was
they created maps of cities and marked black and minority
neighborhoods with red lines, and they labeled those neighborhoods as
being high risk for investment or in some cases hazardous.
So people who lived in those neighborhoods were denied mortgages,
(29:42):
they were denied home improvement loans, they were denied insurance,
while families in the green coded areas received favorable terms.
What the CFPB is proposing here will the effectively implement
modern day redlining be able to eliminate what we know
of as disparate impact. And disparate impact is a tool
(30:05):
that has been used for decades that reveals discrimination when
it shows up in outcomes as opposed to intent. So
if you are going out for a mortgage and you
are denied because you're a black woman, you're not able
to show that nine of the other black women are
being denied the same thing. This rule would eliminate disparate impact.
(30:30):
So you would have to show that you were being
denied the mortgage because the lender said something specific to you.
You're not able to show what we think of as
a pattern or a practice where others are being denied
simply because of their gender, or their race, or their ethnicity.
(30:50):
And that's one of the reasons why this rule is
so dangerous is that it eliminates disparate impact. But there's
something else. It also severely restricts what's called the special
purpose credit program. Now, this is a rule or a
program that has been used to close the racial gaps
(31:11):
in home ownership and lending, and they're looking to effectively
newter or eliminate that program. So when we think of
redlining from the nineteen thirties and the nineteen forties, understand
that this new rule could effectively implement modern day redlining.
Speaker 14 (31:32):
And what's interesting about it, and when you were explaining it,
is that it feels as if you know, just the
idea of being quote racist, it's a system, So it's
not necessarily a person or how they act or if
(31:53):
they have intent, but it's a system which causes this.
So it reinforces what you're explaining sounds like it reinforces
the old system that was in place before and now
we'll see it again.
Speaker 15 (32:08):
Is there any way that lawyers like.
Speaker 14 (32:10):
Yourself or those who are in legal circles are able
to combat what they see as an injustice in the system.
Speaker 2 (32:22):
Yes, So we are monitoring this rule that is being proposed,
and we're monitoring how this rule may be implemented, and
I think it's fair to say that there may be
legal action taken as a result of this rule being implemented. Secondarily,
we also are looking at states that have their own
(32:44):
local rules that regulate discrimination and lending and credit. And so, yes,
this is a federal agency that's looking to implement a
new rule that will govern federal lending and credit practices.
But we shouldn't lose sight of the fact that we
live in states, we live in municipalities, we live in cities,
(33:07):
and those states and municipalities and cities have their own
laws that may make it much more difficult for the
federal rule to be implemented in the way that they
want it to be implemented. So we're looking at those
two portals. Right, if this rule is implemented, certainly I
think you can it's fair to say that folks may
challenge it. And then secondarily, we're looking at the laws
(33:30):
that exist that stay at the state level to make
sure that we can protect people because this is not
only mortgage lending. This is also small business credit. This
is interest rates. So if you think of a black
entrepreneur with strong revenues and they're denied alone because of
(33:50):
the zip code that their business is in, so the
outcome is exclusion, but they're going to claim that the
policy is neutral because you're living in the zip code
that they have labeled as being high risk.
Speaker 14 (34:09):
I'm when listening to you, explain that as well. My
next question, which goes right to my next question, was
about how does this threaten special credit or special purpose
credit programs and why if you could make it clear
to those who are listening who may not understand why
those programs are essential to closing the racial wealth gap.
Speaker 2 (34:33):
Yes, so the special purpose credit programs were created designed
by Congress to counteract historic exclusion, so they help first
generation home buyers. They offer lower interest rates for folks
that have strong incomes, but their credit scores were suppressed
(34:56):
by systemic inequity. So these programs were created to close
the racial wealth gap. And if these programs go away,
we're going to see the racial wealth gap widen even
more than it is. So think of you putting it
in greater context. Martin Luther King gave a speech on
the March on Washington in the nineteen sixties, and at
(35:19):
that time, the racial wealth gap between black and white
people in the United States was eight to one. Today
it is twelve to one.
Speaker 14 (35:31):
Wow, that says something.
Speaker 2 (35:35):
And if these programs are eliminated, it's going to widen
even more than it is.
Speaker 14 (35:42):
This is happening at a time when many civil rights
protections are already being challenged. Why is this Why is
the timing of this proposal especially concerning?
Speaker 2 (35:55):
It is concerning because we're seeing a federal government that
is strategically dismantling programs and systems and regulations and in
some cases statutes that were enacted to prohibit discrimination and
(36:17):
try to get us that much closer to equity and equality.
Speaker 14 (36:22):
We're going to pause the conversation right here because what
Alfonso explains next gets into what happens after the policy fight.
He talks about where power still exists and how people
can stay engaged even after the deadlines have passed, and
why silence is exactly what these kinds of rollbacks depend on.
If you want to hear the rest of this conversation
(36:44):
and learn where you can go to get more information,
connect with advocacy efforts, and use your voice. You can
find the full interview on The Color Between the Lines.
You can watch it on YouTube, listen on iHeartRadio, or
wherever you get your podcasts, And if you want to
take action right now, you can also visit the Global
Black Economic Forum to learn more about this issue and
(37:04):
find ways to stay engaged. Because understanding what's happening is
the first step, but stay involved is how change actually happens.
I'm Esther Dillard.
Speaker 1 (37:16):
Thanks Esther and Alfonso David. So many black people would
love to own their own home, that American dream, but
here's the nightmare. Stats from the National Association of Realtors
show we trail white homeowners by almost thirty percent. But
there is a way to close that gap. The Black
Information Networks Vanessa Tyler explains, if.
Speaker 15 (37:34):
You think home ownership is never in your future, Techi
Home founder Booker T. Washington says, think outside the box.
In fact, he's giving a brand new home away Booker.
Welcome to the Black Information Network HIVNESSA.
Speaker 16 (37:49):
Thank you so much for having me.
Speaker 17 (37:51):
Let's just get this out of the way first.
Speaker 15 (37:53):
What's it like to have such a famous name?
Speaker 18 (37:55):
Well, I get asked that quite a bit, and yes,
I'm named after Booker Telfer or Washington.
Speaker 16 (38:01):
That's my full name, and.
Speaker 18 (38:03):
I wear it as just an honor and just a
way to continue to march and have something to look
forward to.
Speaker 16 (38:11):
The original Booker T.
Speaker 18 (38:12):
Washington accomplished so much, not just for himself but for others,
for this country, change the makeup in the way that
African Americans for sure sat an outlook on how they
could succeed and have a place in this world.
Speaker 16 (38:28):
And so my beginnings come from that yoke.
Speaker 18 (38:32):
My mother attended Tuskegee Institute, which is where some of
my namesake comes from, and having been born at the
university and in Alabama, I continue to just try to
march forward in a way to just make the name
problem well. I just think home ownership, just as a thought,
(38:53):
is something that is a right. It should be an
inedible right. We've had so many different rights. We've had
to fight for voting, color of our skin, being able
to sit in a restaurant in a restaurant at the
appropriate table, but we're also at war now for ownership rights.
Speaker 15 (39:12):
How are you thinking creatively about home ownership.
Speaker 18 (39:16):
Our innovation in the home ownership is to decrease the
home size, make available in these urban centers where people
of all ages and of all incomes can stay in
the neighborhoods that they're in and.
Speaker 16 (39:30):
Live in a dwelling and own a dwelling.
Speaker 18 (39:32):
Of similar size that they're already in. In Metro Atlanta,
which is where Teching Holmes is based, over four point
five million people live in an apartment and that average
apartment size is six hundred and seventy five square feet.
So we build micro homes to give people the innovative
choice and accessibility to purchase something of the same size
(39:55):
for which they're renting. And none of our competitors are
building micro homes. That is a way to tell us
that they don't want you to have the same access
Of all the five major home builders in the United States,
only five percent of what they build is under one
thousand square feet, but yet there are apartments everywhere under
(40:20):
a thousand square feet. So it can't be about housing
and a roof over your head to keep the rain
water off. There's a deeper thing at play, and it's
about accessibility, and that's what we strive for.
Speaker 17 (40:33):
And talk about the cost. How much do they cost.
Speaker 18 (40:36):
Our micro homes range in the metropolitan area from two
hundred and fifteen thousand to two hundred and fifty thousand,
and that's because the mortgage, the average mortgage, even at
today's interest rates, is only between eighteen hundred and two
thousand dollars. Now, when you can compare that to the
(40:57):
average rent in your urban area and pick any city,
you can pick Atlanta, Charlotte, Raleigh, Miami, La, Dallas, Houston,
any major city. The average rent in that major city
is over two thousand dollars. But we provide you a
footprint in a home of accessibility and affordability that doesn't
(41:18):
need you to change the amount of money you make
in order to get it. And that's what they will
tell you. They need you to change your whole financial
profile in order to achieve ownership. And that is the
character there for everyone to achieve, but you'll never really
achieve it in this new economy.
Speaker 17 (41:38):
Would you talk about the design of the home.
Speaker 18 (41:40):
Our homes are pretty luxurious if you think about what
luxurious is for a home and a home finish so
features of our homes, which is why we call Techi homes.
So we have a lot of smart home technology features.
We have appliances that are AI assisted. We have door
openers that read your palms as well as your fingerprints
(42:02):
as well as cold entry. We have smart ceiling fans
that reduce dust and dust layout within the home. We
also offer USB outlets and low wattage electricity to save
you on your electrical bills, increasing your savings as well
as all electric appliances. We create all of the liveable
(42:23):
space you would think you would get in a two
thousand square foot home, but you get it an eight
hundred square feet with fourteen foot lofted ceilings and three hundred,
one hundred and eighty degree decks in patio space. So
our homes feature outdoor living, indoor living, but we give
it to you in a top quality way where you
don't think that you're sacrificing livability in order to get affordability.
Speaker 17 (42:45):
Where are they located?
Speaker 15 (42:47):
I know you're in Atlanta right now, but where are
these homes located?
Speaker 16 (42:51):
Yeah?
Speaker 18 (42:51):
Absolutely so our first two communities, in our future communities
right now, we have a lot of them right here
in the metro area of Atlanta. Our first community, founded
South Park Cottages, was developed in College Park, Georgia, as
well as our second community in Union City, Georgia, which
Union City is actually Georgia's fastest growing suburb and it
(43:14):
is got twenty six luxurious micro homes plus the first
ever technology lab. It is the first ever developed mixed
use tech hub and residential area for a microhome or cottage,
and we're really excited about the history made there. But
it doesn't stop there. We have over sixty million dollars
(43:37):
worth of development in our pipeline as we speak today
over the next two years to develop out within cities
not just Atlanta, but also Florida, Jacksonville, Tampa, and as
well as in Texas.
Speaker 16 (43:50):
In Dallas.
Speaker 15 (43:50):
For many, home ownership is the prize. But I understand
you are about to make someone's holiday dream come true.
Speaker 18 (43:58):
We're going to give away home for the holidays as
part of our efforts with the Book t Project Foundation
for as little as twenty five dollars for a raffle
ticket for you to change you and your family's life forever.
Our home will be fully outfitted with all the televisions
(44:19):
and appliances and luxury updates. You just simply need to
bring a toothbrush and clothes because when you win this home,
you will instantly become worth more than a quarter million
dollars in value, because that's what the home is worth,
and it will be deeded to you free and clear
when we give it away on Christmas Eve. You have
(44:40):
to be over twenty one years of age. You cannot
make more than one hundred thousand dollars a year. The
awarde will have to verify their income. You have to
be an owner occupant, so it is not eligible for
you to lease or rent or have as an investor,
(45:01):
and you cannot sell it for three years. And the
website is the bookert dot com. You can go there.
It is a national raffle. Only thing required is that
you're twenty one years of age, you're willing to live
in the home for at least three years, and that
you understand that the home is in Union City, Georgia,
(45:23):
which again is just five minutes from Atlanta Airport and
fifteen minutes from downtown Atlanta.
Speaker 17 (45:29):
Booker T.
Speaker 15 (45:29):
Washington, founder of Techi Homes, thank you for finding a
new way to bring generational wealth.
Speaker 18 (45:36):
But as has been such a pleasure. Thank you so
much for this opportunity. And again, please please please be
listening the bookert dot com again the bookert dot com.
Visit it tomorrow the Raffle Ghost Live. It's going to
be available for you unlimit it until Christmas Eve. And
again you can always visit out what we're doing at
(45:57):
Techihomes at techihomes dot com, our Instagram at mister Booker T.
If you want to reach out and look at some
of our socials. So again, investment, Thank you so much,
and happy holidays to you. And hey, you know, put
in that raffle. It might just be your chance.
Speaker 15 (46:16):
I'm Vanessa Tyler with a black perspective. Mike, back to you.
Speaker 1 (46:20):
Thanks Vanessa and Booker T. Washington. Now we get a
commentary from James T.
Speaker 16 (46:24):
Harris.
Speaker 10 (46:25):
The opinions, beliefs, and viewpoints expressed in this commentary are
those of the author and do not necessarily represent those
of BI N and its founding partners and employees.
Speaker 19 (46:36):
I'm James Harris, and I have something to say. Fannie
Willis just confirmed exactly what the scandal has always been about. Corruption, arrogance,
and zero accountability. When confronted with documents showing her office
paid hundreds of thousands of taxpayer dollars through her romantic partner,
Special Prosecutor Nathan Wade, she didn't deny it. She didn't
explain it, she didn't justify it. Instead, she pulled the
(47:00):
race card, claiming critics should be investigated for using racial
slurs against her.
Speaker 5 (47:06):
Do you want something to investigate as a legislature.
Speaker 6 (47:08):
Investigate how many times they.
Speaker 15 (47:09):
Called me the ND word?
Speaker 8 (47:10):
Why don't you investigate that?
Speaker 17 (47:11):
Why don't you.
Speaker 5 (47:12):
Investigate them writing on my house?
Speaker 17 (47:13):
Why don't you investigate the fact.
Speaker 15 (47:15):
That my house has been swatted?
Speaker 4 (47:16):
If you want something to do with your time, that
makes sense, and you can use all this in your campaign.
Speaker 5 (47:20):
At you taxed Fannie Willis, What have you done, sir? Nothing?
Speaker 19 (47:24):
That is not a defense, that's a deflection. This isn't
about race. It's about public money, abusive power, and a
prosecutor who thought she was untouchable. Georgia taxpayers were not
funding a social justice seminar, they were funding a prosecution,
and instead they got a personal piggybank. And here's the
real tale. When the facts catch up, the left doesn't
(47:46):
argue the facts, they change the subject. Fannie Willis didn't
stand strong. Now she crashed out. And now the real
question isn't political, it's legal. How much did she know?
How much did she approve? And who's finally going to
hold her accountable? And let's be clear, invoking racism to
shield corruption doesn't protect the black community. It exploits it.
(48:09):
Every time a powerful official hides behind race instead of
answering for misconduct, they cheap and real claims of injustice
and insult every law abiding citizen who plays by the rules.
This is encouraged its cowardness, and the American people are
done letting accountability be shouted down by accusations designed to distract.
I'm James Harris for the Black Information Network.
Speaker 1 (48:29):
Thank you, James T. Harris, and make sure you tune
in to the Black Information Network daily for commentary from
both Roland and s Martin and James T.
Speaker 16 (48:37):
Harris.
Speaker 1 (48:38):
Today, Doug Davis returns with Your Black Business and his
new segment titled Let's Build Wealth. His four part series
inside the segment is called Insurance Makes You Rich.
Speaker 16 (48:48):
But Doctor the.
Speaker 1 (48:49):
Lay Thatch Doug take it away.
Speaker 2 (48:51):
Hey, thanks Mike.
Speaker 3 (48:52):
We are back with our series title Let's Build Wealth
and our focus on closing the racial wealth gap through
financial literacy. Last week ticked off the series with our
first of four part discussions called Insurance Makes You Rich.
We're contributor to Doctor Thela that spoke about how we
should change our perspective on life insurance and how it
can build generational wealth. Today, in part two, Doctor Thatch
(49:14):
of returns to expand on how black employees can leverage
company insurance in four to one case. Welcome back, Doctor
Thiela Thatch, thank you for having me.
Speaker 20 (49:23):
Thank you so much, and I'm so excited again to
talk about building wealth.
Speaker 3 (49:28):
Absolutely in last week's conversation was invigorating. I took a
lot of notes myself. But today we're talking about, like
I said, leveraging your company's insurance and forour O one
case to build generational wealth. How can black employees better
understand and maximize the benefits of companies sponsored insurance programs
like health, life and disability insurance to protect their families
(49:51):
and build wealth.
Speaker 16 (49:52):
As we said, one of.
Speaker 20 (49:53):
The things I'd love to talk about is the benefits
that you received from your day to day job. So
as black people, we work hard all the time, and
we're working for these nine to five jobs. Sometimes some
of us are making a minimum wage a little bit
above minimum wage. But the one thing that we do
have at most of the organizations we work for our benefits.
(50:17):
So the four to one K is a tax advantage
retirement account that lets you put money aside directly from
your paycheck. And what you need to know about that
is that is what rich people do. They put pre
tax dollars aside in that way, they save money. So
I love to tell you more about that too.
Speaker 3 (50:39):
Wow, that's pretty powerful. Now I understand that some folks
can take their four to one K and take some
of that money and put it into other opportunities to
grow wealth outside of what the company is offering.
Speaker 20 (50:53):
So basically, the four to one K it's a little
more powerful than a savings account, and so it falls
under these IRS regulations called the Section one twenty five plan.
And so I don't want to get too complicated, but
I want you to be familiar with the vocabulary because
the Section one twenty five plan is regulated by the IRS.
(51:15):
So the four one K is a very powerful wealth
building tool, and if you use it correctly, you can
take money out of the four one K, you can
borrow from the four one K, and if you're with
an organization that matches the money that you put in.
So let's say for every dollar you put in, you
(51:35):
might have the company put in fifty cents, So at
any given time, for every dollar you have, you're getting
fifty cents added to that dollar.
Speaker 8 (51:44):
That can add up really quickly.
Speaker 20 (51:46):
So now that money can be used, based on the
IRS regulations, to purchase a home, to take out a loan,
and you can also transfer that money to your children,
in your partner or your estate. So that means when
you have a four to one K, you're not leaving assets,
you're not leaving bills, but you're leaving money to the
(52:09):
next generation.
Speaker 16 (52:10):
That's right.
Speaker 3 (52:10):
Absolutely. Now there are penalties when you pull out your
money from your four oh one K, and it's not cheap, correct.
Speaker 20 (52:16):
Oh, yeah, there can be penalties, and it depends on
what and how you're using the four to one K plan.
So in general, even though there are ways to take
the money out, if you do an early withdrawal penalty
before age fifty nine and a half, you can face
a ten percent early withdrawal penalty, So you don't want
(52:40):
to lose that money in penalties. However, if you're in
a bind or if you have an opportunity that is
a once in a lifetime opportunity and your risk taker
like me, a penalty of three thousand dollars is nothing
compared to gaining one hundred and fifty thousand dollars. But
for the most part, we're talking about property, and we're
(53:01):
talking about for one ks, they typically grow, so it
is a great opportunity because the other opportunity is to
have a savings plan that practically makes no money at all. Basically,
four to one K is meant for a long term
wealth because the IRS protects it. Most of the four
(53:23):
one K plans have free financial advisors.
Speaker 8 (53:27):
If you call them, they'll give you some type of advice.
Speaker 20 (53:30):
And there's just lots of you know, we got YouTube
university out there, so there's no excuse you. Of course,
you can reach out to me atla at thladash dot com.
There's just a lot a lot of information out here.
Now there's no reason that you can't save money. So
you know, it's a lot of resources out there to
educate you and the best way to use.
Speaker 8 (53:50):
The forur one k.
Speaker 3 (53:51):
Right, speaking of that, how can black employees kind of
navigate and negotiate employee benefits to ensure that they're getting
the most out of the company insurance and retirement plans.
I mean to know, you spoke about if your employer
is you know, matching some of your you know what
you're putting into it. But are there any other ways?
Speaker 8 (54:06):
Well, yeah, that's a big yeah. There's a lot of ways.
Speaker 20 (54:09):
And so anytime you can get medical, dental, vision and
supplemental policies and insurance through your employer.
Speaker 8 (54:17):
That is a win win win.
Speaker 20 (54:19):
And you want to look at you know, preferred providers
or health maintenance organization.
Speaker 8 (54:25):
So when they say HMO, that's a.
Speaker 20 (54:27):
Health maintenance organization and the PPO is a preferred provider organization.
Short version PPOs are when you can kind of you
get all the bells and whistles. HMOs to me are
like a clinic, Like you go into the clinic, but
you get the bare minimum. And usually HMO's good for
people who are in there. You know they're young, even
(54:50):
though not all young people are healthy, but people who
don't have a lot of health issues. So those are
two things you need to know. Then what you really
really need to pay attention to. Most organizations will offer
you life insurance benefits for free with no cost to you,
and you usually will get one time your salary, but
you can also elect do two times. So let's say
(55:11):
you make one hundred thousand dollars a year and you
click that two times box, so that three times box
you've clicked it three times of insurance box. That means
your beneficiaries will get three hundred thousand dollars in the
event of your death. Usually it's about three six dollars
extra a month. It's understanding these principles that will help
you save money and also provide generational wealth for like
(55:35):
decades and centuries.
Speaker 16 (55:37):
That's right.
Speaker 3 (55:38):
Final question, what kind of resources or strategies do you
believe black employees can seek to educate themselves and their communities,
their family, you know, loved ones, friends, about leveraging workplace
benefits for long term financial growth.
Speaker 8 (55:51):
Well, there's so many resources out here.
Speaker 20 (55:53):
There's you know, there's a lot of different agencies that
are within I know, the LA community, for example, we
have the Community develop Development Financial Institution which is the CDFI.
And although it's not exactly for employees, it might be
for employees who are looking.
Speaker 8 (56:12):
To start their own business. We have the SBA.
Speaker 20 (56:15):
There are a lot of communities out here and grants
and money that have been set aside to educate black
people on how to save money. And I could probably
give you a list, Doug of.
Speaker 8 (56:30):
Some of those communities.
Speaker 20 (56:31):
But to keep it real simple, inside your inside the business,
they have you have benefits, right, and the benefits include
typically an employee assistance program. I will say again, Employee
Assistance program EAP is almost always attached to any benefit
(56:52):
like a kaiser at United Healthcare. Ask your employee about
your EAP. It is a need for our seven confidential
offering that I call me. Trust me, if you don't
have it, I'll be shocked. So call me if you
don't have it. But why am I telling you about
this because in the EAP they typically have free legal counseling,
(57:15):
free financial counseling, free therapy, free.
Speaker 8 (57:20):
I grew up on the EAP. Okay, I raised my
kids on EAP. My kids were having problems, I called
the EAP.
Speaker 20 (57:26):
I have problems with you know, I look on how
to manage my money, I call the EAP. This is
a service that is most people, most hr people truthfully
don't tell you about this, but it is a part
of most likely your medical plan. So that's to me,
the biggest secret that black people don't know about and
(57:49):
say with me. EAP Employee Assistance Program which is almost
always a part of your current benefits, but you may
or may not know about it, and as always has
a financial planning component that's free for you.
Speaker 16 (58:05):
Yeah.
Speaker 3 (58:06):
That's uh, that's very very amazing. I appreciate you, Doctor Fach.
Can you share your information to our general audience. Are
you on Facebook LinkedIn?
Speaker 8 (58:15):
Of course I am.
Speaker 20 (58:16):
I am on Facebook, LinkedIn, every social media and I
just started a new program through school dot com s
k o O dot com and.
Speaker 8 (58:25):
So please chat GPT me at.
Speaker 20 (58:28):
T h E l A l A Thatch. If you
were to go to chat GPT, you can find me there.
My email is FLA at thla thatch dot com.
Speaker 8 (58:39):
And I have a new product out called missus HR
and the box dot com.
Speaker 20 (58:43):
You can find me at missus m R s h
R dot com.
Speaker 3 (58:48):
All right, Doctor Fatch, thank you again for sharing your
knowledge with the bi N. We'll be back with our
series Let's Build Wealth in twenty twenty six with Doctor Thatch.
You're listening to the Black Perspective only on the Black
Informing Network. I'm Doug Davis.
Speaker 1 (59:01):
Thank you Doug and doctor Thatch, and that's our program.
Speaker 2 (59:04):
For this week.
Speaker 1 (59:05):
For more on these stories, listen to the Black Information
Network on the free iHeartRadio app or log onto Bionnews
dot com for all of the latest news impacting the
black community. We would love to hear from you about
the Black Perspective. Log onto the Black Information Network's Talkback
Live feature on the iHeartRadio app and share your feedback. Also,
be sure to follow us on social media at Black
(59:28):
Information Network and on X and Blue Sky at black
Info Net. And make the Black Information Network first on
your car radio and iHeartRadio app presets. I'm Mike Island.
Have a great Sunday and Merry Christmas. We'll see you
next week right here on the Black Information Network
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