Tone Deaf Hillary doesn't remember a time when The US Failed to protect a diplomat.

[siablo14]

Lmao..


You are an alt,, how pathetic


And you can’t rebutt, just personal insults..

Like the fake alt you are,, why don’t you go pretend to be someone successful instead of being a fake Jamaican

Oh you silly jester.
You crack me up everytime.

Let me know when you are gonna play the stock market jester.

I don't want too much of the drunk jester though.
You play that role so well. You make it seem like you are a true drunkard and not just acting.

You used to have few respects here and there. Now, he is an empty shell for others to laugh at.

Ready, Set, Actions:

But I's own many many businesses.

[Dr.Cool]

It's funny because Dems claim to help black people and Hispanics. Problem is when they get in office nothing gets done. What did Obama do for black people? What did he do for Hispanics? Oh thats right deport them lol.

I'll never understand the faith they have in Dems.

My Brother’s Keeper
Under President Obama’s watch, there was an emphasis on black males. In February 2014, the president introduced My Brother’s Keeper, to specifically focus on improving the lives of young African American males. The initiative is encouraging nonprofits to raise $200 million in five years for programs focused on young men of color. Though My Brother’s Keeper is not a federally-funded government program, no such effort has existed before under any American president. President Obama is said to be planning to make My Brother’s Keeper a major policy before he leaves office

Barack Obama’s Accomplishments (A Rundown)

Restoring Economic Security: According to the White House, American businesses have added over 14 million jobs. This job growth has helped cut the African American unemployment rate in half—from 16.8% in March 2010 to 8.3% in December 2015, its lowest level since September 2007. The African American unemployment rate has fallen by more than the overall unemployment rate in the past few years and is further below its pre-recession level than any other racial or ethnic group.

Helping the Long-Term Unemployed Get Back to Work: The Administration has taken steps to help more of the long-term unemployed get back to work, around one-quarter of whom are African American. The president unveiled a set of “best practices” being taken by leading employers—including over 80 members of the Fortune 500 and over 20 members of the Fortune 50—around recruiting and hiring the long-term unemployed to remove some of the barriers that make it harder for them to navigate the hiring process. The Department of Labor awarded nearly $170 million in “Ready to Work Partnership” grants to support the best models for partnerships between employers, non-profits and the job training system, to help train and connect the long-term unemployed to work.

Providing Comprehensive Healthcare: President Obama’s victories in Congress for comprehensive health care coverage, as well as his win in the Supreme Court, meant that many African Americans benefited. By March 2015, over 16 million Americans had enrolled in Obamacare, reports NBC News. Because of Obamacare, the rates of uninsured Americans have fallen to 11.9% after being at 16% when President Bush left office. Over 3 million poor Americans, including hundreds of thousands of African Americans in the South, would be covered if not for Republican governors blocking the Medicaid expansion under the Affordable Care Act.

Making College More Accessible and Affordable: President Obama signed legislation increasing the maximum Pell Grant by more than $1,000 and total Pell Grant funding by 70%, helping millions of low- and moderate-income students afford college every year. He’s also taken steps to reduce student loan burdens, including ending student loan subsidies for private banks and shifting the savings back to students, reducing student loan interest rates to historic lows, and capping student loan payments at 10% of income for all students. He established and made permanent the American Opportunity Tax Credit, which provides a tax cut of up to $10,000 over four years for nearly 10 million working and middle-class families a year paying for college. The President’s budget supports America’s College Promise, which would make community college free for responsible students.

Promoting Entrepreneurship as a Path to Success: In 2013, the administration announced it would set fees on Small Business Administration loans to zero, encouraging more lenders, particularly community banks, to provide vital access to capital for entrepreneurs. Changes to the microloan program have also increased access to loans under $50,000 for justice-involved individuals. The SBA has increased outreach to the African American community with the launch of the Business Smart Toolkit, a business basics and lender-readiness resource in partnership with the National Association of Government Guaranteed Lenders. Additionally, SBA partnered with national organizations such as U.S. Black Chambers Inc. and 100 Black Men of America, to reach more entrepreneurs. SBA launched the My Brother’s Keeper Millennial Entrepreneurs Initiative, partnering with HBCUs and community colleges to promote entrepreneurship across college campuses, and MBK Millennial Entrepreneur Champion Mike Muse to encourage entrepreneurship among young people of color and other youth.

Championing Criminal Justice Reform and Fair Policing: President Obama signed the Fair Sentencing Act in 2010. This narrowed the penalty between crack and powder cocaine from 1:10 to 1:18. In 2014, President Obama established a task force on policing and in 2015, he rolled back the use of certain military equipment by local police—a Black Lives Matter related demand. During the Obama presidency, the Department of Justice has investigated several police departments, including Ferguson, Cleveland, and Philadelphia, under former Attorney General Eric Holder and current Attorney General Loretta Lynch.

Helping Americans Keep Their Homes: African American families were particularly hard-hit by the housing crisis and were the victims of predatory lending. The president took action to help homeowners, including expanding access to refinancing—allowing responsible borrowers to save an average of $3,000 per year. The administration also took measures to allow homeowners behind on their payments to modify their mortgages to avoid foreclosure—with more than 1.5 million borrowers having received permanent modifications through the Home Affordable Modification Program (HAMP), the Administration’s cornerstone foreclosure prevention program, and millions more receiving private modifications that were modeled off of HAMP.

Making Owning a Home More Affordable: The Federal Housing Administration (FHA) has long been an important source of financing for African American families seeking to buy their first home. In recent years, nearly half of African American home buyers used FHA to get a mortgage. Recently, the president announced a major new step to make buying a home more affordable and accessible for creditworthy families. The FHA reduced its annual mortgage insurance premiums by half a percentage point. For the typical homebuyer, this reduction translates into a $900 reduction in their annual mortgage payment. Existing homeowners who refinance into an FHA mortgage will see similar reductions to their mortgage payments as well. Following the reduction in 2015, the number of African American borrowers (new purchase or refinance) with an FHA loan increased by nearly 50%.

Protecting Families from Financial Abuses, Hidden Fees, and Deceptive Practices: To prevent mortgage companies, credit card lenders, and payday loan companies from exploiting consumers with hidden fees and other deceptive practices, President Obama fought to pass the most far-reaching Wall Street reform in history, which created the Consumer Financial Protection Bureau (CFPB). The CFPB, which works to make markets for consumer financial products and services work for Americans, is also charged with enforcing fair lending laws to protect against discriminatory lending practices.

Permanent Tax Cuts that Promote Work and Reduce Poverty: The president established and recently made permanent significant improvements to tax credits for working families. The Earned Income Tax Credit (EITC) and Child Tax Credit (CTC) were expanded to encourage work and help low-income parents afford the costs of raising a family, together providing about 16 million families a year with a tax cut averaging $900. These tax credit expansions provide about 2 million African American families a year with an average tax cut of about $1,000 each. Because of these improvements, a single parent working full-time, year-round at the federal minimum wage gets an additional CTC of more than $1,700; if the expansion were not in place, that parent would not receive any CTC.

Expanding Access to Paid Leave: last September, the president signed an executive order requiring federal contractors to offer their employees up to seven days of paid sick leave per year. An estimated 44 million private sector workers—about 40% of the total private-sector workforce—do not have access to paid sick leave, and low- and middle-income workers are much less likely to have it than high-income workers. As a result, too many working Americans cannot afford to stay home if they are ill or to take care of a sick child if it means the loss of pay. The new executive order will give approximately 300,000 Americans working on federal contracts the new ability to earn seven days of paid sick leave. The president also called on Congress to pass legislation expanding paid sick leave and paid family and medical leave to millions more workers.

Increasing Wages for Working Families: The president has called on Congress to increase the federal minimum wage. While Congress has failed to act on this issue in the past eight years, the president has worked within his power to increase wages for working families–based on an executive order, workers on new federal contracts will earn a minimum of $10.10 an hour starting this year, indexed to inflation beginning in 2016. But the president cannot raise wages alone, which is why he continues to call for Congress to pass the Raise the Wage Act to increase the federal minimum wage to $12 by 2020. According to researchers at the Economic Policy Institute, this Act would lead to a raise for 45% of all single, working African American mothers. Overall, passing the Raise the Wage Act would directly or indirectly increase wages for an estimated 35 million workers, helping to ensure fair pay and boost the economy. However, since the president called for an increase in the minimum wage in his 2013 State of the Union address, 17 states and the District of Columbia have answered his call. That means that today, a total 29 states and the District of Columbia have a higher minimum wage than the federal minimum wage.

Narrowing the Digital Divide: In July 2015, President Obama announced ConnectHome , which is a new initiative with 27 communities, one tribal nation, the private-sector, and federal government to expand high-speed broadband to more families across the country. ConnectHome will initially reach up to 200,000 children in low-income households living in public housing with the support they need to access the Internet at home. Through public and private partnership, ConnectHome communities will offer technical training, digital literacy programs, and devices to help narrow the digital divide.

Creating Affordable Retirement Savings: The administration stresses that Social Security must remain a rock-solid, guaranteed progressive benefit that every American can rely on; although too many Americans reach their golden years without any personal savings or pension whatsoever. According to the Urban Institute, the risk of an insecure retirement is especially high for minorities: white households have six times the wealth, including retirement savings, of African Americans or Hispanics. To make it easier for families to save for retirement, the Treasury recently announced the national launch of myRA, a new starter retirement account designed for individuals who don’t have access to an employer-sponsored retirement program. According to a Federal Reserve report, 42% of workers don’t have access to a retirement plan through their jobs. myRA is designed to help bridge this gap, and help workers get on the path to long-term savings.


http://www.blackenterprise.com/presi...can-americans/

Just cutting black unemployment in half, from 16.8% down to 8.3% is pretty good by itself. You add on top, all these other accomplishments, from affordable housing, to healthcare, to increased wages, to access to high speed Internet, to increased paid leave and that is quite a hefty improvement from 2008.

[Dr.Cool]

Lmao


1.who is in charge of diplomats?

2. Who lied and said it wasn’t a terror attack, but a spontaneous uprising over a YouTube video?

So, General Petraus was in charge of that building and the safety of everyone in it, and that is Hillary's fault???

How many Americans died in Iraq because of lies from Bush 43 and Cheney???

Or do those American lives not matter??

[Vlad_]

So, General Petraus was in charge of that building and the safety of everyone in it, and that is Hillary's fault???

How many Americans died in Iraq because of lies from Bush 43 and Cheney???

Or do those American lives not matter??

Lies of Bush? The ones he got from the “intelligence agencies” that are so perfect how dare Trump doubt them?

The Iraq War? The one that Hillary, Biden, Reid, Schumer, and plenty of other Democrats voted for?

People say going back to Obama’s time during the 2016 election and hold Obama accountable for the alleged russian meddling as he was POTUS back then, is deflection. But you guys go all the way to the first days of W Bush and things he did based on intelligence agencies advice and backed by democratic votes?

Good arguments there. Just don’t reply by copy-pasting an essay at this time of night please.

[man down]

My Brother’s Keeper
Under President Obama’s watch, there was an emphasis on black males. In February 2014, the president introduced My Brother’s Keeper, to specifically focus on improving the lives of young African American males. The initiative is encouraging nonprofits to raise $200 million in five years for programs focused on young men of color. Though My Brother’s Keeper is not a federally-funded government program, no such effort has existed before under any American president. President Obama is said to be planning to make My Brother’s Keeper a major policy before he leaves office

Barack Obama’s Accomplishments (A Rundown)

Restoring Economic Security: According to the White House, American businesses have added over 14 million jobs. This job growth has helped cut the African American unemployment rate in half—from 16.8% in March 2010 to 8.3% in December 2015, its lowest level since September 2007. The African American unemployment rate has fallen by more than the overall unemployment rate in the past few years and is further below its pre-recession level than any other racial or ethnic group.

Helping the Long-Term Unemployed Get Back to Work: The Administration has taken steps to help more of the long-term unemployed get back to work, around one-quarter of whom are African American. The president unveiled a set of “best practices” being taken by leading employers—including over 80 members of the Fortune 500 and over 20 members of the Fortune 50—around recruiting and hiring the long-term unemployed to remove some of the barriers that make it harder for them to navigate the hiring process. The Department of Labor awarded nearly $170 million in “Ready to Work Partnership” grants to support the best models for partnerships between employers, non-profits and the job training system, to help train and connect the long-term unemployed to work.

Providing Comprehensive Healthcare: President Obama’s victories in Congress for comprehensive health care coverage, as well as his win in the Supreme Court, meant that many African Americans benefited. By March 2015, over 16 million Americans had enrolled in Obamacare, reports NBC News. Because of Obamacare, the rates of uninsured Americans have fallen to 11.9% after being at 16% when President Bush left office. Over 3 million poor Americans, including hundreds of thousands of African Americans in the South, would be covered if not for Republican governors blocking the Medicaid expansion under the Affordable Care Act.

Making College More Accessible and Affordable: President Obama signed legislation increasing the maximum Pell Grant by more than $1,000 and total Pell Grant funding by 70%, helping millions of low- and moderate-income students afford college every year. He’s also taken steps to reduce student loan burdens, including ending student loan subsidies for private banks and shifting the savings back to students, reducing student loan interest rates to historic lows, and capping student loan payments at 10% of income for all students. He established and made permanent the American Opportunity Tax Credit, which provides a tax cut of up to $10,000 over four years for nearly 10 million working and middle-class families a year paying for college. The President’s budget supports America’s College Promise, which would make community college free for responsible students.

Promoting Entrepreneurship as a Path to Success: In 2013, the administration announced it would set fees on Small Business Administration loans to zero, encouraging more lenders, particularly community banks, to provide vital access to capital for entrepreneurs. Changes to the microloan program have also increased access to loans under $50,000 for justice-involved individuals. The SBA has increased outreach to the African American community with the launch of the Business Smart Toolkit, a business basics and lender-readiness resource in partnership with the National Association of Government Guaranteed Lenders. Additionally, SBA partnered with national organizations such as U.S. Black Chambers Inc. and 100 Black Men of America, to reach more entrepreneurs. SBA launched the My Brother’s Keeper Millennial Entrepreneurs Initiative, partnering with HBCUs and community colleges to promote entrepreneurship across college campuses, and MBK Millennial Entrepreneur Champion Mike Muse to encourage entrepreneurship among young people of color and other youth.

Championing Criminal Justice Reform and Fair Policing: President Obama signed the Fair Sentencing Act in 2010. This narrowed the penalty between crack and powder cocaine from 1:10 to 1:18. In 2014, President Obama established a task force on policing and in 2015, he rolled back the use of certain military equipment by local police—a Black Lives Matter related demand. During the Obama presidency, the Department of Justice has investigated several police departments, including Ferguson, Cleveland, and Philadelphia, under former Attorney General Eric Holder and current Attorney General Loretta Lynch.

Helping Americans Keep Their Homes: African American families were particularly hard-hit by the housing crisis and were the victims of predatory lending. The president took action to help homeowners, including expanding access to refinancing—allowing responsible borrowers to save an average of $3,000 per year. The administration also took measures to allow homeowners behind on their payments to modify their mortgages to avoid foreclosure—with more than 1.5 million borrowers having received permanent modifications through the Home Affordable Modification Program (HAMP), the Administration’s cornerstone foreclosure prevention program, and millions more receiving private modifications that were modeled off of HAMP.

Making Owning a Home More Affordable: The Federal Housing Administration (FHA) has long been an important source of financing for African American families seeking to buy their first home. In recent years, nearly half of African American home buyers used FHA to get a mortgage. Recently, the president announced a major new step to make buying a home more affordable and accessible for creditworthy families. The FHA reduced its annual mortgage insurance premiums by half a percentage point. For the typical homebuyer, this reduction translates into a $900 reduction in their annual mortgage payment. Existing homeowners who refinance into an FHA mortgage will see similar reductions to their mortgage payments as well. Following the reduction in 2015, the number of African American borrowers (new purchase or refinance) with an FHA loan increased by nearly 50%.

Protecting Families from Financial Abuses, Hidden Fees, and Deceptive Practices: To prevent mortgage companies, credit card lenders, and payday loan companies from exploiting consumers with hidden fees and other deceptive practices, President Obama fought to pass the most far-reaching Wall Street reform in history, which created the Consumer Financial Protection Bureau (CFPB). The CFPB, which works to make markets for consumer financial products and services work for Americans, is also charged with enforcing fair lending laws to protect against discriminatory lending practices.

Permanent Tax Cuts that Promote Work and Reduce Poverty: The president established and recently made permanent significant improvements to tax credits for working families. The Earned Income Tax Credit (EITC) and Child Tax Credit (CTC) were expanded to encourage work and help low-income parents afford the costs of raising a family, together providing about 16 million families a year with a tax cut averaging $900. These tax credit expansions provide about 2 million African American families a year with an average tax cut of about $1,000 each. Because of these improvements, a single parent working full-time, year-round at the federal minimum wage gets an additional CTC of more than $1,700; if the expansion were not in place, that parent would not receive any CTC.

Expanding Access to Paid Leave: last September, the president signed an executive order requiring federal contractors to offer their employees up to seven days of paid sick leave per year. An estimated 44 million private sector workers—about 40% of the total private-sector workforce—do not have access to paid sick leave, and low- and middle-income workers are much less likely to have it than high-income workers. As a result, too many working Americans cannot afford to stay home if they are ill or to take care of a sick child if it means the loss of pay. The new executive order will give approximately 300,000 Americans working on federal contracts the new ability to earn seven days of paid sick leave. The president also called on Congress to pass legislation expanding paid sick leave and paid family and medical leave to millions more workers.

Increasing Wages for Working Families: The president has called on Congress to increase the federal minimum wage. While Congress has failed to act on this issue in the past eight years, the president has worked within his power to increase wages for working families–based on an executive order, workers on new federal contracts will earn a minimum of $10.10 an hour starting this year, indexed to inflation beginning in 2016. But the president cannot raise wages alone, which is why he continues to call for Congress to pass the Raise the Wage Act to increase the federal minimum wage to $12 by 2020. According to researchers at the Economic Policy Institute, this Act would lead to a raise for 45% of all single, working African American mothers. Overall, passing the Raise the Wage Act would directly or indirectly increase wages for an estimated 35 million workers, helping to ensure fair pay and boost the economy. However, since the president called for an increase in the minimum wage in his 2013 State of the Union address, 17 states and the District of Columbia have answered his call. That means that today, a total 29 states and the District of Columbia have a higher minimum wage than the federal minimum wage.

Narrowing the Digital Divide: In July 2015, President Obama announced ConnectHome , which is a new initiative with 27 communities, one tribal nation, the private-sector, and federal government to expand high-speed broadband to more families across the country. ConnectHome will initially reach up to 200,000 children in low-income households living in public housing with the support they need to access the Internet at home. Through public and private partnership, ConnectHome communities will offer technical training, digital literacy programs, and devices to help narrow the digital divide.

Creating Affordable Retirement Savings: The administration stresses that Social Security must remain a rock-solid, guaranteed progressive benefit that every American can rely on; although too many Americans reach their golden years without any personal savings or pension whatsoever. According to the Urban Institute, the risk of an insecure retirement is especially high for minorities: white households have six times the wealth, including retirement savings, of African Americans or Hispanics. To make it easier for families to save for retirement, the Treasury recently announced the national launch of myRA, a new starter retirement account designed for individuals who don’t have access to an employer-sponsored retirement program. According to a Federal Reserve report, 42% of workers don’t have access to a retirement plan through their jobs. myRA is designed to help bridge this gap, and help workers get on the path to long-term savings.


http://www.blackenterprise.com/presi...can-americans/

Just cutting black unemployment in half, from 16.8% down to 8.3% is pretty good by itself. You add on top, all these other accomplishments, from affordable housing, to healthcare, to increased wages, to access to high speed Internet, to increased paid leave and that is quite a hefty improvement from 2008.

Aw so they just put "black Americans" in there and boom he helped them. Lol 8 years and thats what he did eh?
So Trump has cut Black unemployment and its the lowest its ever been. But he gets zero credit. Tax cuts for the middle class and gets no credit.

America’s first black billionaire says Trump economy has been good for African Americans

https://www.cnbc.com/2018/04/06/bet-...bor-force.html

No one cared more about the plight of black Americans than Barack Obama — our first African-American president — who won well more than 90 percent of the black vote. But the sad paradox of Obama's presidency is that a president who was going to lift up black America economically didn't deliver. From 2009 to 2015, the incomes of black Americans fell by more than $900 per family adjusted for inflation.

http://www.chicagotribune.com/news/o...822-story.html

[Build That Wall]

My Brother’s Keeper
Under President Obama’s watch, there was an emphasis on black males. In February 2014, the president introduced My Brother’s Keeper, to specifically focus on improving the lives of young African American males. The initiative is encouraging nonprofits to raise $200 million in five years for programs focused on young men of color. Though My Brother’s Keeper is not a federally-funded government program, no such effort has existed before under any American president. President Obama is said to be planning to make My Brother’s Keeper a major policy before he leaves office

Barack Obama’s Accomplishments (A Rundown)

Restoring Economic Security: According to the White House, American businesses have added over 14 million jobs. This job growth has helped cut the African American unemployment rate in half—from 16.8% in March 2010 to 8.3% in December 2015, its lowest level since September 2007. The African American unemployment rate has fallen by more than the overall unemployment rate in the past few years and is further below its pre-recession level than any other racial or ethnic group.

Helping the Long-Term Unemployed Get Back to Work: The Administration has taken steps to help more of the long-term unemployed get back to work, around one-quarter of whom are African American. The president unveiled a set of “best practices” being taken by leading employers—including over 80 members of the Fortune 500 and over 20 members of the Fortune 50—around recruiting and hiring the long-term unemployed to remove some of the barriers that make it harder for them to navigate the hiring process. The Department of Labor awarded nearly $170 million in “Ready to Work Partnership” grants to support the best models for partnerships between employers, non-profits and the job training system, to help train and connect the long-term unemployed to work.

Providing Comprehensive Healthcare: President Obama’s victories in Congress for comprehensive health care coverage, as well as his win in the Supreme Court, meant that many African Americans benefited. By March 2015, over 16 million Americans had enrolled in Obamacare, reports NBC News. Because of Obamacare, the rates of uninsured Americans have fallen to 11.9% after being at 16% when President Bush left office. Over 3 million poor Americans, including hundreds of thousands of African Americans in the South, would be covered if not for Republican governors blocking the Medicaid expansion under the Affordable Care Act.

Making College More Accessible and Affordable: President Obama signed legislation increasing the maximum Pell Grant by more than $1,000 and total Pell Grant funding by 70%, helping millions of low- and moderate-income students afford college every year. He’s also taken steps to reduce student loan burdens, including ending student loan subsidies for private banks and shifting the savings back to students, reducing student loan interest rates to historic lows, and capping student loan payments at 10% of income for all students. He established and made permanent the American Opportunity Tax Credit, which provides a tax cut of up to $10,000 over four years for nearly 10 million working and middle-class families a year paying for college. The President’s budget supports America’s College Promise, which would make community college free for responsible students.

Promoting Entrepreneurship as a Path to Success: In 2013, the administration announced it would set fees on Small Business Administration loans to zero, encouraging more lenders, particularly community banks, to provide vital access to capital for entrepreneurs. Changes to the microloan program have also increased access to loans under $50,000 for justice-involved individuals. The SBA has increased outreach to the African American community with the launch of the Business Smart Toolkit, a business basics and lender-readiness resource in partnership with the National Association of Government Guaranteed Lenders. Additionally, SBA partnered with national organizations such as U.S. Black Chambers Inc. and 100 Black Men of America, to reach more entrepreneurs. SBA launched the My Brother’s Keeper Millennial Entrepreneurs Initiative, partnering with HBCUs and community colleges to promote entrepreneurship across college campuses, and MBK Millennial Entrepreneur Champion Mike Muse to encourage entrepreneurship among young people of color and other youth.

Championing Criminal Justice Reform and Fair Policing: President Obama signed the Fair Sentencing Act in 2010. This narrowed the penalty between crack and powder cocaine from 1:10 to 1:18. In 2014, President Obama established a task force on policing and in 2015, he rolled back the use of certain military equipment by local police—a Black Lives Matter related demand. During the Obama presidency, the Department of Justice has investigated several police departments, including Ferguson, Cleveland, and Philadelphia, under former Attorney General Eric Holder and current Attorney General Loretta Lynch.

Helping Americans Keep Their Homes: African American families were particularly hard-hit by the housing crisis and were the victims of predatory lending. The president took action to help homeowners, including expanding access to refinancing—allowing responsible borrowers to save an average of $3,000 per year. The administration also took measures to allow homeowners behind on their payments to modify their mortgages to avoid foreclosure—with more than 1.5 million borrowers having received permanent modifications through the Home Affordable Modification Program (HAMP), the Administration’s cornerstone foreclosure prevention program, and millions more receiving private modifications that were modeled off of HAMP.

Making Owning a Home More Affordable: The Federal Housing Administration (FHA) has long been an important source of financing for African American families seeking to buy their first home. In recent years, nearly half of African American home buyers used FHA to get a mortgage. Recently, the president announced a major new step to make buying a home more affordable and accessible for creditworthy families. The FHA reduced its annual mortgage insurance premiums by half a percentage point. For the typical homebuyer, this reduction translates into a $900 reduction in their annual mortgage payment. Existing homeowners who refinance into an FHA mortgage will see similar reductions to their mortgage payments as well. Following the reduction in 2015, the number of African American borrowers (new purchase or refinance) with an FHA loan increased by nearly 50%.

Protecting Families from Financial Abuses, Hidden Fees, and Deceptive Practices: To prevent mortgage companies, credit card lenders, and payday loan companies from exploiting consumers with hidden fees and other deceptive practices, President Obama fought to pass the most far-reaching Wall Street reform in history, which created the Consumer Financial Protection Bureau (CFPB). The CFPB, which works to make markets for consumer financial products and services work for Americans, is also charged with enforcing fair lending laws to protect against discriminatory lending practices.

Permanent Tax Cuts that Promote Work and Reduce Poverty: The president established and recently made permanent significant improvements to tax credits for working families. The Earned Income Tax Credit (EITC) and Child Tax Credit (CTC) were expanded to encourage work and help low-income parents afford the costs of raising a family, together providing about 16 million families a year with a tax cut averaging $900. These tax credit expansions provide about 2 million African American families a year with an average tax cut of about $1,000 each. Because of these improvements, a single parent working full-time, year-round at the federal minimum wage gets an additional CTC of more than $1,700; if the expansion were not in place, that parent would not receive any CTC.

Expanding Access to Paid Leave: last September, the president signed an executive order requiring federal contractors to offer their employees up to seven days of paid sick leave per year. An estimated 44 million private sector workers—about 40% of the total private-sector workforce—do not have access to paid sick leave, and low- and middle-income workers are much less likely to have it than high-income workers. As a result, too many working Americans cannot afford to stay home if they are ill or to take care of a sick child if it means the loss of pay. The new executive order will give approximately 300,000 Americans working on federal contracts the new ability to earn seven days of paid sick leave. The president also called on Congress to pass legislation expanding paid sick leave and paid family and medical leave to millions more workers.

Increasing Wages for Working Families: The president has called on Congress to increase the federal minimum wage. While Congress has failed to act on this issue in the past eight years, the president has worked within his power to increase wages for working families–based on an executive order, workers on new federal contracts will earn a minimum of $10.10 an hour starting this year, indexed to inflation beginning in 2016. But the president cannot raise wages alone, which is why he continues to call for Congress to pass the Raise the Wage Act to increase the federal minimum wage to $12 by 2020. According to researchers at the Economic Policy Institute, this Act would lead to a raise for 45% of all single, working African American mothers. Overall, passing the Raise the Wage Act would directly or indirectly increase wages for an estimated 35 million workers, helping to ensure fair pay and boost the economy. However, since the president called for an increase in the minimum wage in his 2013 State of the Union address, 17 states and the District of Columbia have answered his call. That means that today, a total 29 states and the District of Columbia have a higher minimum wage than the federal minimum wage.

Narrowing the Digital Divide: In July 2015, President Obama announced ConnectHome , which is a new initiative with 27 communities, one tribal nation, the private-sector, and federal government to expand high-speed broadband to more families across the country. ConnectHome will initially reach up to 200,000 children in low-income households living in public housing with the support they need to access the Internet at home. Through public and private partnership, ConnectHome communities will offer technical training, digital literacy programs, and devices to help narrow the digital divide.

Creating Affordable Retirement Savings: The administration stresses that Social Security must remain a rock-solid, guaranteed progressive benefit that every American can rely on; although too many Americans reach their golden years without any personal savings or pension whatsoever. According to the Urban Institute, the risk of an insecure retirement is especially high for minorities: white households have six times the wealth, including retirement savings, of African Americans or Hispanics. To make it easier for families to save for retirement, the Treasury recently announced the national launch of myRA, a new starter retirement account designed for individuals who don’t have access to an employer-sponsored retirement program. According to a Federal Reserve report, 42% of workers don’t have access to a retirement plan through their jobs. myRA is designed to help bridge this gap, and help workers get on the path to long-term savings.


http://www.blackenterprise.com/presi...can-americans/

Just cutting black unemployment in half, from 16.8% down to 8.3% is pretty good by itself. You add on top, all these other accomplishments, from affordable housing, to healthcare, to increased wages, to access to high speed Internet, to increased paid leave and that is quite a hefty improvement from 2008.

Trump has done more to improve The lives of the American people